North American Bancard Scam charges from a scam company with horrible customer service Troy Michigan

I recently realized that a strange charge was appearing on a monthly basis on my Wells Fargo bank account statement. The charges, occurring on 12/2/15, 03/02/16, 05/03/16, and just recently again on 06/02/15, all were for $3.99 and were coded from Global Payments. I called global payments, who referred me to a company called North American Bancard. I called North American Bancard at 1-800-226-2273, and was rudely told by a customer service representative that I had opened an account with them FOUR YEARS ago in 2012. I asked why, after 4 years, they had suddenly began charging me a monthly fee, especially since I had no record of ever signing up for an account with their company. The customer service representative wouldn't answer that question. He told me he closed my account and that my 4 recent monthly fees, now totaling $15.96, would NEVER be refunded. These mysterious small amounts that appear on people's bank account statements, for services they never signed up for, are fraudulent and a scam. I'm not sure if North American Bancard is a total scam, or just has horrific customer service, but either way, I want my money back and I'd like an apology for the incredibly rude customer service representative who offended me.

Here is some advice: Hire some people in customer service that understand the value of a happy customer.  For the $15.96 you refused to refund me today, which WILL get refunded after the Wells Fargo fraud investigation is complete, you could have saved your company a lot of face.  This review is the 12th negative review I have left for you today at various sites.  You can also expect to receive my written complaint and investigation from my Attorney General next week.  I will also continue to find every site I can that reviews your company, and tell my story, so that others can avoid your like the plague.  All of this because you wouldn't refund an obvious mistaken charge of $15.96.  That's penny wise and pound foolish.