- Report: #1022242
Report - Rebuttal - Arbitrate
Complaint Review: United Bank Card
United Bank Card2202 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
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
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.
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