North American Bancard North American Bancard's all about misrepresentations, fraudulent business practice, poor customer service, and sales agents who lie their way to get your money Cedar Rapids Iowa

I am an attorney and a friend of the business owner, Mr. Park, who has been through/ still going through a nightmare with this horrible company.

The sales agent, Jessica Bartlett, took advantage of the Mr. Park's poor English and tricked them into signing up for accounts. Jessica approached Mr. Park to sell business and when Mr. Park said he needs to time to think about it, she said that he has to sign the contract first and could take time to think about it. Mr. Park trusted Jessica's representations and signed the contract and a few days later, he decided that he did not want to go with American Bancard. When Mr. Park communicated this to Jessica, she said that that's fine and asked him to send her the credit card machines.

When Mr. Park received the credit card machine, he sent it to Jessica and asked him to cancel the account. He NEVER used the machine or the services of Bancard.  Jessica represented that she will cancel the account for Mr. Park but his bank account kept getting charged w/ monthly fees. Whenever Mr. Park followed up w/ Jessica, she said that she processed his cancellation request and that she was unsure why the corporate office kept charging his account. She then started avoiding Mr. Park and not returning his calls.

Mr. Park approached me in the spring of 2014 and told me what was going on. I tried to get in contact with Jessica and she was immediately defensive and beligernat. I still have the text messages w/ the following convo w/ her:

Me "Hi Jessica, I am an attorney working with Mr. Park. I left you a voice message a few minutes ago regarding the ongoing issue with the credit card machine you sold to Mr. PArk. Please give me a call back at your earliest convenienece. Please also provide me your email address. Thank you."

Jessica: "you will need to contact North American Bancard @ 248-269-6000. I never sold Byung anything."

Me "You were the sales agent in the transactio, correct? Your name was on the contract."

Jessica: "Do not harass me via text. Please contact North American at the number provided to rectify this situation."

Me: "I am not trying to harass you. I'm simply trying to resolve this ongoing issue on behalf of Byung."

Jessica: "I have contacted Northamerican to inquire why this account has not been close.d Please free to contact them as well."

It goes on and on w/ her being very rude and not helpful. First she denied she ever had anything to do w/ the transaction and then she said she did her part in trying to close the account.

When I spoke w/ the corporate office, they said they can't do anything and that there was never a request to terminate the accont. By this time, Mr. Park has already paid hundreds of dollars in monthly fees for over a year on services he never used. 

I kept getting tossed back and forth between the representatives at the corporate office and Jessica - neither willing to talk to me or resolve this issue.

Finally, they sent a cancellation form and Mr. Park had to pay over $800 termination fee to cancel the account. This was in JAnuary of 2014. 

Mr. Park still kept getting charges on his account from AmericanBancard and we now find out that Jessica signed him up for TWO accounts. I inqurired with he representative at the corporate office, Derrek, and he wasn't able to do anything. He simply stated that there are two contracts that Mr. Park signed and that he will need to pay another $600 to terminate the second account. He emailed me a copy of the contracts, both of which were signed on the same day, and said there's nothing he can do. 

Mr. Park has paid thousands of dollars by this time paying for monthly fees and termination fee for one of the accounts. It's a never ending cycle. Mr. PArk said that he never signed up for two accounts and that Jessica told him that he needs to sign two COPIES. 

In the process of me working w/ Jessica and AmericanBancard to close the account for Mr. Park's business, nobody ever mentioned that there is more than one account under his name.

This is truly the worst company I've ever encountered. The company is unwilling to take responsibility of its independent sales agents and the independent sales agents are doing whatever they can to make commission, even if that means lying through their teeth.