• Report: #410242
Complaint Review:


  • Submitted: Fri, January 09, 2009
  • Updated: Wed, January 21, 2009

  • Reported By:ABC California
5701 Lindero Canyon Road 3-200 Westlake Village, California U.S.A.


*Consumer Comment: i have been ripped off too



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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.

ABC, California

This report was posted on Ripoff Report on 01/09/2009 05:36 PM and is a permanent record located here: http://www.ripoffreport.com/reports/bank-card-usa-maverick-bank-card/westlake-village-california-91362/bank-card-usa-maverick-bank-card-rips-off-another-merchant-westlake-village-california-410242. 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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#1 Consumer Comment

i have been ripped off too

AUTHOR: victim of fraud - (USA)

Jason Hardy and Scott Hardy are criminals

Please contact me at (((ROR redacted))) 

I am interested in doing anything possible to stop these criminals they tmf my account forced me to pay fees i didn't owe they prevented me from getting a merchant account

These criminals need to serve there time for their dirty deeds

CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.
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#2 UPDATE Employee


AUTHOR: Sharon - (U.S.A.)

I am responding to a complaint filed against BankCard USA.

This merchant's complaint does not specify the facts of what happened with their merchant account and the reasons behind holding the merchant's funds. Our Risk Department holds funds to verify the legitimacy of the transaction and to protect the merchant from getting any chargebacks (disputes), fraud..etc. The merchant does not realize this and thinks that we are being fraudulent. There is nothing fraudulent about holding funds for verification. BankCard USA is not in the business of holding funds and keeping it for profit. If the transactions verify, it gets released back to the merchant. If the transactions DO NOT verify, it gets returned back to the cardholder (and the cardholder/customer can provide another form of payment). Additionally, these terms are all disclosed on the merchant agreement that the customer signs. The agreement can also be viewed on our website at www.busams.com.

This merchant above did not disclose the name of their company or their actual name. I am unable to look up the history of exactly what happened with this merchant. I would need to gather up facts before we can make a decision.

Please contact me with any other questions or comments regarding this matter (800) 589-8200 ext. 3512

Thank you,
Sharon Tan
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#3 Author of original report


AUTHOR: Retailoperations - (U.S.A.)

More proof BANKCARD USA are a bunch of crooks and thieves. As many of you people have read on numerous complaint sites about this company stealing people's money, closing accounts and charging outrageous fees. We wanted to add this information as well.

We contacted the Risk Management Department of these thieves and trying to find out why they where holding funds and we got this response "we wanted to get comfortable with you first" that was the reason why they decided to steal 3 days worth of business. The only thing we could do was refund customers and avoid future chargebacks. But here's the proof, these SCUMBAGS stole the money from the customers by canceling every single refund and closing out our RTWARE terminal so we couldn't refund customers. That's a clear sign of theft. The money does not belong to them it belongs to the customers. We have every single receipt in which shows clearly we refunded everyone for their sales. And we have statement from these morons stating they cancelled the refunds to the customers.

The sales where never completed because these scumbags never deposited the funds into our bank account, so we are under no legal obligation to ship any products out since the sale wasnt completed, a clear contract violation on Bank Card Usa, Doesnt matter what the contract says they may hold funds at any time. Especially when they approve you and had no intensions of depositing funds into your bank account. We talked to two laws and Visa Mastercard they said clearly, if any chargebacks come through as a result of Bank Card Usa not refunding the money that belong to the customers, they will be stripped of their license. They also said we avoided the chargebacks by initiating refunds and Bank Card USA is in clear violation of their contract agreements with Visa/Mastercard. Our company is 100% not responsible for any chargebacks. In addition, they were not entitled to any fees because they never completed the services they were contracted for.

We'll since we have an office in Cali, we are going directly to the district attorney's office first week of February and going ahead and filing a lawsuit against them. We also filing fraud cases with the Federal Trade Commission and the Attorney Generals Office. So if anyone wants to get with us and make it a class action lawsuit or be presented as a victim of these crooks, we encourage you to ban together and ensure that no one else because a victim of this crooked company.
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