Report: #315357

Complaint Review: BankCard USA Merchant Services, Inc., Maverick Bankcard, Jason And Scott Hardy

  • Submitted: Thu, March 06, 2008
  • Updated: Thu, December 10, 2009
  • Reported By: Palm Desert California
  • BankCard USA Merchant Services, Inc., Maverick Bankcard, Jason And Scott Hardy
    5701 Lindero Canyon Road 3-200
    Westlake Village, California

BankCard USA Merchant Services, Inc., Maverick Bankcard, Jason And Scott Hardy Using highly unscrupulous means and tactics. They have made processing credit cards a nightmare for me. Beware, beware, beware! Westlake Village California

*General Comment: Your full of it Mr. Tan


*Consumer Comment: BankCard USA - Closed Our Merchant After getting ahold of Risk Dept 2 weeks later - Risk Dept Never phones back - wqill lock account and keep money

Show customers why they should trust your business over your competitors...

New to taking credit cards, I thought I'd found the best company for the best rate. I was also in a hurry. I was under the impression that I had put down an average ticket price of $500, and a highest ticket amount of $1500. The highest ticket amount never appeard on the application, but not to worry (they said).

I put through my first charges on a Friday - one at $400, one 2 at $80, and one at $1500. My gateways said successfully accepted - both when I put through the charges and when they were batched at the end of the day. Great! The next day I put through two more charges at $500 - again successful, great. Now I wait, Monday, Tuesday, Wednesday, no money appears in my account - and NO contact from the company. Finally on Thursday when I call customer service tells me they flagged my account because of the "large charge" of $1500. However they are holding all accounts, nothing has been released. I begin making phone calls, but no one will call me back. Jason Hardy in risk management does not answer any of MANY calls I make, nor does the manager, and his brother Scott Hardy, nor does Heather, their risk management person. People in customer service are basically rude to me. One man told me, if I were you, I'd just close the account. Another tells me disgustedly "we are getting more and more calls like yours. I don't know what's wrong here." My sales rep seems pretty unhappy about it also.

Finally after more calls, and a call from me to the Ventura County DA's office, Risk Mangement sends me an email on the 21st saying they have decided to close my account. Mind you, I have still never received any written notification from them they my account had been flagged or put on hold. NOTHING. Of course, it's all my fault. They found an overdraft on my bank statement, my credit report, (if it was so bad, why'd they approve me so quickly in the first place!) I had charged my client an accomodation fee (which they claim I can't do, but my current provider says it's fine), and a $25 discrepancy between an invoice and what I've billed. Of course, they never phoned any of my clients to determine that all the charges were acceptable and as understood by them. They are also claiming I agreed to only bill after materials and services were delivered. Nothing I would have ever knowingly agreed to. So I have now had to contact all my clients. They are afraid that this company is ripping them off, and they are calling me daily to let me know they still have not received their refunds (which the company agreed to do upon my signing their paper. I returned their paper on the morning of the 2/21. But they couldn't get around to processing the refunds until the end of the day on 2/26). My clients are all worried that this company is going to sell or pirate their credit card numbers. And of course, it does nothing for my credibility with them as a business person.

I'd still decided not to go any further with this, until my bank statement came through. I was charged a $74.80 fee for their processing the charges. $74.80 for their returning the charges, and $67.26 for something else - which we still can't quite figure out. These charges were put through my bank on February 27th, March 3rd and March 4th - but they closed my account on February 25th. Also, I clearly stated that they were closing my account. I had only made one "egregious" error - according to them, a large charge amount. But they had chosen to hold, and then cancel the processing on all my charges, so I would certainly not be paying any fees for anything. Now I must go through the process of denying their charges with my bank, and all that entails.

No one ever answered that they would be charging me, or disagreed, they just went into my account and took the money. And you know what? They still have all my information, so unless I close by bank account, I still have no way to know that they won't go in and try to take some more!

Please beware!! I made some mistakes. I didn't read the fine print, I just allowed this to be rushed through. I didn't make sure that what was discussed with the Sales Rep. was what went on the form. And I didn't bother to come to RipOff reports to read the ten or more other reports on this company. Please don't make the same mistake as I did and trust the Maverick Hardy Brothers (as another rip-off victim called them) with your money or the money of your clients. You may end up very, very sorry.

Palm Desert, California
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This report was posted on Ripoff Report on 03/06/2008 01:23 PM and is a permanent record located here: 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. READ: Foreign websites steal our content

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Updates & Rebuttals


#1 General Comment

Your full of it Mr. Tan

AUTHOR: MCA AUTO - (United States of America)

Mr. Tan once again your full of it. There are no terms that say anything that you are telling my on the contract I signed. due to the fact that you have to go to a website to get this information. your company is a rip off and I can see why you have so many reports of poor customer service and also poor sales tatics. thanks for closing my business.
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#2 UPDATE Employee


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

BankCard USA is not in the business of holding funds. We are a very reputable company that has been in business for more than 13 years. There are reasons why our Risk Department holds these transactions. We do not hold them to make merchants' lives miserable in any way.

Please refer to a copy of your signed merchant application/agreement. The agreement clearly states that BankCard USA Merchant Services, Inc. has the right to hold your funds up to a period of 180 days or less (please refer to a copy of your Merchant Account Agreement). Keyed businesses are considered high risk businesses because of the high ticket, (which can later evolve to higher dollar amounts of chargebacks, retrievals..etc), keyed transactions, home based business (retail, face to face, swiped businesses have less risks because the credit card is always present and swiped through the credit card terminal).

Additionally, BankCard USA is liable for any charges, returns, chargebacks that the merchant processes, under the rules and regulations of Visa/Master Card. Thus, the reason for capturing funds to protect BankCard USA.

We apologize for any inconvenience this may have caused you and your company. We are just doing our job in trying to protect our company as well as your company for any potential loss, disputes/chargebacks...etc.

Please contact our Risk Department with any additional questions or concerns you may have regarding this matter (800) 589-8200.

Thank you,
Sharon Tan
Operations Department
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#3 Consumer Comment

BankCard USA - Closed Our Merchant After getting ahold of Risk Dept 2 weeks later - Risk Dept Never phones back - wqill lock account and keep money

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

Never do business with this company - It is privately held company, the President is Shawn Skelton, VP is Alen Griefer. Look up the definition of the last names....

Account was setup on July 3, 2008. Transaction that were processed totaled 12. On July 16, 2008 a transaction processed without customers name listed which is very strange. On July 18, 2008 two days after the above transaction was processed we received a call from Dena Moss in the risk dept. regarding some resent transactions. her phone call wasa returned on July 21, 2008 and we both started off on the wrong foot.
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