Complaint Review: North American Bancard - Troy Michigan
North American Bancard Deceptive Contract issues Troy, Michigan
*Author of original report: North American Bancard Resolved my issue
*UPDATE Employee: Company Response
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Then I get a collection notice from Steve Gray at Commercial Services group. Saying that I owe over $1500. I talked to Mr Gray on July 23 and was asked to send him proof of the return which I did. I then get this email back: Ms. Brandt, I reviewed this matter with my client and they advised that they typically do not allow returns after the ten day window of your account
closure, as stated in your contract. However, since you were instructed by Mr. Hall to return the equipment in June they have agreed to credit you for the equipment. They have indicated that the balance of $439.81 will still be due, this balance consists of: $144.81 Processing Losses $295.00 Early Termination Fee Please mail your check, payable to North American Bancard and referencing our file #C0977464, to my office today, or, call me directly at 502-873-2605 to arrange a resolution.
Steve A. Gray Legal Liaison Director Commercial Services
I responded with:
There was no early termination. The contract was for three years which was Feb 2012. In regards to the $144.81 that was taken after the contract expired.
Mr. Gray's response
Ms. Brandt, The contract renews for an annual term after the initial 3 year period automatically. If you are terminating your agreement you are required to send a signed written notice to North American Bancard at least 30 but no more than 60 days prior to your anniversary date so that the account may be closed with no annual renewal. If the account is not terminated properly, it will renew and the early termination fee may be charged for any subsequent annual renewal unless terminated properly around the anniversary date at the end of that year. The $144.81 would have been assessed as processing charges unless your written notice to terminate had been received as indicated. My client advises that the balance of $439.81 is correct and due.
I then found an email that I was sent when I signed up it is the agreement that I was to sign and return. Mr. Gray then sent me back a copy of what I signed which includes extra pages in the middle that were not part of the original email. What I received from Mr. Hopkins per his email was "Here are the pertinent pages to initial & sign". What I received from Mr. Gray was "the complete contract. I feel that this is very deceptive. I don't want anything from this company I just want this to be done. They have their equipment back and have taken more money from me than I should have ever allowed. I did some research myself and all the complaints include the contract and not receiving all the documents and early termination fees. It appears to be a pattern with this company.
This report was posted on Ripoff Report on 07/25/2012 11:25 AM and is a permanent record located here: https://www.ripoffreport.com/reports/north-american-bancard/troy-michigan-48083/north-american-bancard-deceptive-contract-issues-troy-michigan-917274. 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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