• Report: #325244
Complaint Review:

BankCard USA

  • Submitted: Fri, April 11, 2008
  • Updated: Tue, January 13, 2009

  • Reported By:Roselle Illinois
BankCard USA
5701 Lindero Canyon, Bldg 3, Westlake Village, CA 91362 Westlake Village, California U.S.A.

BankCard USA WARNING!!! STEER CLEAR of BANKCARD USA! Westlake Village California


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I hope that this is accepted without checking ANY star, as this company doesn't even rate 1 star! So, if you see 1 star highlighted, you'll know it's ONLY due to the fact that it couldn't be submitted w/o checking at least one. (Ok, I had to check something, as it was a "Required field." Unfortunately, 1 star was only "Poor." They should have offered a "Very Poor")

Now then, let me explain why I STRONGLY suggest that you steer clear of BankCard USA. I own an advertising & marketing company in greater Chicagoland, and I signed with BANKCARD USA on February 14th, 2008.

After finally getting my terminal and everything up and running, I was able to process my first transaction on February 27th, and then my 2nd the following day. Today is April 10th, and I have yet to receive ANY money deposited into our business account--but you can bet that they've debited our account for their FEES!

Initially, I was told that their turnaround time was two days. So, after approximately 5 days (I gave them a few extra days), I called my sales rep to inquire as to what was going on. He pointed me to "Customer Service" (yeah, right), who told me that my account had been "flagged." When I proceeded to ask him just why I had not received a call from Bankcard USA informing me of this and why I had to call THEM, he had no answer, other than to pass the buck off to someone else...Risk Management. I was told to speak with a person named Ms. Campbell, and I was given her extension. Unfortunately, to this day, I have yet to receive a phone call back from her (or ANYONE from Bankcard USA for that matter), despite numerous voicemails, e-mails & faxes. "Customer Service" is EVERYTHING in business, yet with this company, its not even on the RADAR! They have no problem calling you several times a day trying to GET your business...but once they actually HAVE it, you can forget about hearing from them if you've ever got a problem. I think they've forgotten that credit card processors are a dime a dozen.

By the way, I finally DID receive an e-mail from Ms. Campbell, who till this day, has yet to tell me exactly WHY our account was flagged to begin with. There certainly was not any reason to flag it, seeing as though we did not go over our average transaction volume or our monthly volume, have not had any customer complaints or charge backs. So, they've taken money from our customers...but they have not sent any of it to us, meaning that they themselves have the money somewhere. Do you smell a "RAT?"

There IS a silver lining in all of this, however. We signed on with a different processor on April 1st, by the name of MERCHANT WAREHOUSE. I dealt with Shannon Andrade. We received our terminal on the 3rd, charged our first transaction on the 4th (a Friday), batched out later that evening), and received the money in our checking account by Monday morning. It may have even been there earlier than that, but I'm not sure, as I did not even check our account until Monday morning. Talk about FAST TURNAROUND! And their customer service appears to be exactly what I've heard from others...and what they themselves claim and pride themselves on. If they do something to prove otherwise, sometime down the road, you can BET that you'll hear about it from me!

Roselle, Illinois

This report was posted on Ripoff Report on 04/11/2008 01:15 AM and is a permanent record located here: http://www.ripoffreport.com/reports/bankcard-usa/westlake-village-california-91362/bankcard-usa-warning-steer-clear-of-bankcard-usa-westlake-village-california-325244. 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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Updates & Rebuttals

#1 UPDATE Employee


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

The merchant's funds were held by our Risk Department for specific reasons. BankCard USA is not in the business of holding funds and keeping it. That is not what our intentions are.

This specific merchant's funds were held because they went over their approved parameters. Each merchant account is approved a monthly volume and ticket size. Due to the larger transaction that this merchant processed, the account was flagged to verify the legitimacy of the transaction. Additional information such as receipts, invoices..etc are requested by our Risk Department to verify the larger transaction. This also protect the merchant from any potential chargebacks, losses, fraud..etc. After the transaction(s) is verified valid, funds are released back to the merchant's account.

Also, please note that BankCard USA Merchant Services, Inc. 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.

Furthermore, it is the merchant's sole responsibility to properly read the terms, and conditions of the Merchant Account Agreement. Your signature on the BUSA Merchant Account Agreement specifically states that you have received a copy of the agreement you have signed, and that you also agree to be bound by its terms if your application is approved. Please refer to the signature page on page 3 of 7. A copy of the Merchant Account Agreement is posted @ www.busams.com for you to reference any questions that might concern you. Thank you in advance for your cooperation in this matter.

Thank you,
Sharon Tan
Operations Department
BankCard USA
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