- Report: #1022242
Complaint Review: United Bank Card
Related Reports
Featured Ripoff Reports
Ripoff Reports
Ripoff Report on CBS 19
Ripoff Report on CBS 19 - Global Marketing Alliance
Ripoff Report on ABC 15 - Smart Shopper
Ripoff Report - Girls Gone Wild
Ripoff Report on Fox 11 - Car Repair
Special Features
-
Doctored Reviews is designed to help patients, doctors, and websites understand the problems created by Medical Justice, a company trying to restrict online patient reviews, and to offer some ways that let patients freely talk about their healthcare experiences. -
The government should serve voters, not corporate special interests. Public Citizen works to empower ordinary citizens, reduce the influence of big corporations on government, open the government to public scrutiny, and hold public officials accountable for their misdeeds. -
WHAT YOU NEED TO KNOW ABOUT THE BBB: NOT a government agency as listed in your local phone book. Instead the BBB is a private non-profit / franchise operation. 20/20 exposes the BBB, Hamas Terror Group Gets 'A' Rating - BBB is running a "pay for play" scheme.
| United Bank Card 2202 North Irving Street
Allentown, Pennsylvania United States of America |
|
United Bank Card Harbor Touch - Pattern of deceptive business practices, possible fraud?, Allentown, Pennsylvania
*UPDATE Employee: Sales Rep
Does your business have a bad reputation?
Fix it the right way.
Corporate Advocacy Program™
1. There was no long term contract with UBC. We were assured there were no penalties or fees associated with cancelling service at any time.
2. UBC is unresponsive to consumer requests or complaints.
3. It appears there may be a pattern of unfair and deceptive business practices by UBC or possible fraud, even. I know if at least one other instance of an initial corrupt Terms & Conditions file.
4. UBC debited our account for $700 without our knowledge and never communicated the EFT to us via billing or statement or otherwise. This is larceny.
We signed up for credit card processing services through a representative for United Bank Card in June 2011. The website we saw advertised, no long term contracts and "low rates"(www.merchantaccountsmaui.com). The application and Terms & Conditions documents were emailed and the application file was barely legible, but the Terms and Conditions Document file was corrupt and inaccessible. We requested a good soft copy several times, but never got one. I specifically requested NO terms regarding time obligations when we signed up with the
representative for credit card processing services and he assured me there were
none.
We had been unhappy with the quality of customer care at UBC and canceled service in late September of 2012. UBC now also known as Harbor Touch, is trying to collect $750 (early termination fees) from us. They initially just debited our account with an EFT for $700 and never said a word or gave us any notice of the charges. I happened to review our bank statement and questioned the entries. I filed a Regulation E form with our bank and was able to recover the funds. Only since that time upon my requests, have UBC reps offered to send me the Terms and Conditions document. They said they would send it but kept sending me other info such as copies of our application in one instance, and a welcome packet in another. I made numerous attempts to resolve the issue both verbally and in writing. I even submitted a letter of dispute at their request and heard nothing back. Upon following up a third time, I received a reply that they referred our account to a collection agency.
I suspect from what I have read, know first- hand, and from conversations with another business owner who uses UBC's service , that the company engages in these types of activity on a regular basis. To mislead /advertise falsely, not provide proper and complete disclosure, provide poor/rude/unresponsive care, and debit client accounts without any notice or explanation is fraudulent misrepresentation and larceny.
I plan on taking this to the next level and would like to know if anyone else has had similar experinces.
2. UBC is unresponsive to consumer requests or complaints.
3. It appears there may be a pattern of unfair and deceptive business practices by UBC or possible fraud, even. I know if at least one other instance of an initial corrupt Terms & Conditions file.
4. UBC debited our account for $700 without our knowledge and never communicated the EFT to us via billing or statement or otherwise. This is larceny.
We signed up for credit card processing services through a representative for United Bank Card in June 2011. The website we saw advertised, no long term contracts and "low rates"(www.merchantaccountsmaui.com). The application and Terms & Conditions documents were emailed and the application file was barely legible, but the Terms and Conditions Document file was corrupt and inaccessible. We requested a good soft copy several times, but never got one. I specifically requested NO terms regarding time obligations when we signed up with the
representative for credit card processing services and he assured me there were
none.
We had been unhappy with the quality of customer care at UBC and canceled service in late September of 2012. UBC now also known as Harbor Touch, is trying to collect $750 (early termination fees) from us. They initially just debited our account with an EFT for $700 and never said a word or gave us any notice of the charges. I happened to review our bank statement and questioned the entries. I filed a Regulation E form with our bank and was able to recover the funds. Only since that time upon my requests, have UBC reps offered to send me the Terms and Conditions document. They said they would send it but kept sending me other info such as copies of our application in one instance, and a welcome packet in another. I made numerous attempts to resolve the issue both verbally and in writing. I even submitted a letter of dispute at their request and heard nothing back. Upon following up a third time, I received a reply that they referred our account to a collection agency.
I suspect from what I have read, know first- hand, and from conversations with another business owner who uses UBC's service , that the company engages in these types of activity on a regular basis. To mislead /advertise falsely, not provide proper and complete disclosure, provide poor/rude/unresponsive care, and debit client accounts without any notice or explanation is fraudulent misrepresentation and larceny.
I plan on taking this to the next level and would like to know if anyone else has had similar experinces.
This report was posted on Ripoff Report on 03/01/2013 04:35 PM and is a permanent record located here: http://www.ripoffreport.com/r/United-Bank-Card/Allentown-Pennsylvania-18109/United-Bank-Card-Harbor-Touch-Pattern-of-deceptive-business-practices-possible-fraud-1022242. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.
Click Here to read other Ripoff Reports on United Bank Card
Search for additional reports
If you would like to see more Rip-off Reports on this company/individual, search here:
Search Tips#1 UPDATE Employee
Sales Rep
AUTHOR: Curtis Stevens - (United States of America)
SUBMITTED: Tuesday, March 05, 2013
Hi,
I'm an independent agent for Harbortouch and let me explain a few things. Harbortouch does not have a sales team. They focus on their products and the merchants and have independent agents such as myself selling their products. They cannot control what an agent promises to a merchant since they are not an employee. They do their best on terminating the relationship with agents that do not represent the brand in a good fashion. Therefore, they cannot honor any agreements or promises the agent makes to a merchant.
Harbortouch's standard processing agreement is 3 years, termination fee of $350 or $35 times the remaining months left, whichever is greater. Yes, I agree, that is too steep! If an agent offers you different terms, such as what I do, they must make that notation on the application, on page 4 under special instructions. I have signed up hundreds of merchants with Harbortouch with such clause. The offer I give is no ETF with 90 days notice. Harbortouch honors it every time and has since day one. If an agent simply makes a claim to a merchant and doesn't do the necessary steps when sending in the paperwork to Harbortouch, then Harbortouch enforces their standard term as no other alternative terms have been offered. With anything different, the merchant would need to take it up with the agent involved since it is something they promised
and not Harbortouch.
You can download their terms and conditions here: http://www.unitedbankcard.com/pdf/UBC_TandC_2009.pdf.
In all honesty, based on everything you said, I would take this up with the agent you signed up with. The company you mentioned in your compliant. You were promised things by the agent and sounds like they didnt take the appropriate steps for those promises to be provided. They are also the ones that can make anything happen if it is possible, such as waiving the cancellation fee.
Curtis Stevens
www.harbortouchs.com
I'm an independent agent for Harbortouch and let me explain a few things. Harbortouch does not have a sales team. They focus on their products and the merchants and have independent agents such as myself selling their products. They cannot control what an agent promises to a merchant since they are not an employee. They do their best on terminating the relationship with agents that do not represent the brand in a good fashion. Therefore, they cannot honor any agreements or promises the agent makes to a merchant.
Harbortouch's standard processing agreement is 3 years, termination fee of $350 or $35 times the remaining months left, whichever is greater. Yes, I agree, that is too steep! If an agent offers you different terms, such as what I do, they must make that notation on the application, on page 4 under special instructions. I have signed up hundreds of merchants with Harbortouch with such clause. The offer I give is no ETF with 90 days notice. Harbortouch honors it every time and has since day one. If an agent simply makes a claim to a merchant and doesn't do the necessary steps when sending in the paperwork to Harbortouch, then Harbortouch enforces their standard term as no other alternative terms have been offered. With anything different, the merchant would need to take it up with the agent involved since it is something they promised
and not Harbortouch.
You can download their terms and conditions here: http://www.unitedbankcard.com/pdf/UBC_TandC_2009.pdf.
In all honesty, based on everything you said, I would take this up with the agent you signed up with. The company you mentioned in your compliant. You were promised things by the agent and sounds like they didnt take the appropriate steps for those promises to be provided. They are also the ones that can make anything happen if it is possible, such as waiving the cancellation fee.
Curtis Stevens
www.harbortouchs.com
Respond to this report!
What's this? 
