Report: #408951

Complaint Review: North American Bancard - Troy Michigan

  • Submitted:
  • Updated:
  • Reported By: Bountiful Utah
  • North American Bancard 969 Chicago Road Troy Troy, Michigan U.S.A.

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It will be 3-years this March 15 2009, thank god for that. I am canceling my services with them.

This all started when I signed a contract with them in 2006. The contract stated there were no monthly statement fee's, no monthly minimums with low rates of 1.59%. It was awesome for the first year.

In January 2007 I noticed that I was being charged $10.00 statement fee, I call them about that and I was told that there was an "amendment to the contract" and I had to pay that no matter what. Like a dummy I never did anything about it.

Now in January 6 2009 I was charged another "amendment to the contract" $79.00 (PCI) Payment Card Industry fee and I was told that I had to pay that, it's the law. I looked into (PCI) linked from www.nabancard.com website to a McAfee anti -virus software company giving away for FREE a "Self-Assessment Questionnaire", North American Bancard wants me to fill out and Fax it to them (charging me $79.00). I contacted other Credit Card company's and they never heard of such a thing. When you fill out the contract you are asked the same questions as the FREE Self-Assessment Questionnaire, why am I being charged.


Bountiful, Utah

This report was posted on Ripoff Report on 01/06/2009 09:35 PM and is a permanent record located here: https://www.ripoffreport.com/reports/north-american-bancard/troy-michigan-48083/north-american-bancard-rip-offs-charging-what-ever-when-ever-they-want-to-even-with-a-co-408951. 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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#8 Author of original report

All terminals programmed by North American BanCard are junk

AUTHOR: Discountsprinkler.com - (U.S.A.)

POSTED: Monday, February 16, 2009
Here is a really bad up date about them, I am in the process to change company's and now North American BanCard has my Terminal Nurit 3020 locked up (password protected and will not release the password to my new processor).
These crooks have really done it now, the PCI is a total way to Scam people ($79.00) and now they have scammed me out of a perfect working terminal ($500.00).
I have to now re-use my old Verfone Trans 380 and Printer 900 and can not re-program the newer Nurit 3020.
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#7 Consumer Comment

Me Too, what gives???

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

POSTED: Wednesday, February 04, 2009
Same Thing here, I signed a 3 year contract and with in the year my fees have increased to the point of stupidity.. I have also been charged the $79 PCI Or whatever.. When I called them to complain they actually told me they felt "sorry for me" because they other companies I contacted told me there was no such thing. Basically the lady told me there was nothing I could do. I explained to her she did not have authorization for this, she basically laughed in my face. I told her to cancel the contract and she then told me $36.50 x months left on contract = some where in the $784. range... I told her she would be getting a letter from my attorney, and she then reminded me that I had signed a contract..one that I have to abide by, but they do not. So What to do??? Im done for the remainder of the contract??? Note: They can only charge the cancellation fee allowable in the state of your business..... This is being investigated at this time
2ndly - who controlls these obvious criminals??? FCC??
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#6 Consumer Suggestion

Hey Mr. Credit Card Guy

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

POSTED: Saturday, January 31, 2009
Instead defending your "horrible" company and pointing fingers at Heartland and your unrealistic value of your compliance fees... You guys are actually charging merchants to protect their customers from identity theft, well Mr. Credit Card Guy, look in your own back yard.... I'm a victim of Crimes commited by employee(s) from Your company. They stole my identity, forged my signatures on documents, and destroyed my business and my credit and my life... do some homework inside your organization and come forward with the truth about what First Data has been doing to their Merchants and their money, how can First Data be trusted with peoples credit card numbers, etc... when their own employee(s) have commited crimes and fraud against their own merchants..... Quote me on it.... Peace
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#5 Author of original report

I disagree with First Data.

AUTHOR: Discountsprinkler.com - (U.S.A.)

POSTED: Sunday, January 25, 2009
I have been ripped off by them also. I have been accepting Credit Cards for 20 years. All the Customer receipts do not have any credit card information on them except the 4 digits and the name. As for PCI this is loop hole for Credit Card Processors to charge there merchants for a huge profit. So I disagree with security issues and PCI fee's
Credit Cards are getting way out of hand, I would like to see less of them being used.
We as the Merchants need legal help putting the Credit Card company's back into there places. I am surprised that all the major Credit card company's allow this behavior.
I do not know why we as Merchants can not deal directly with the Credit Card company's direct like M/C, VISA, AMEX, ect..
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#4 Consumer Suggestion

Relevance of PCI cost of complaince

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

POSTED: Friday, January 23, 2009
I work in merchant services sales for First Data. We have also taken a fair share of abuse here on the Ripoff report regarding the annual compliance fees we charge.

If you look in the headlines, Heartland Payment Systems reported a massive breach of their network on January 21 that could result in 100 million card numbers being comprimised. RBS Lynk reported a breach in December, with 1.5 million card numbers. A retail store in Kentucky had their POS system hacked, resulting in the need for a bank to re-issue 8,500 cards. The list goes on and on. It will be the merchant who will pay fines and cover the costs of the card reissuance as well as the merchant processor who did not take the necessary steps to ensure their merchant was certified

Love it or hate it, PCI is here and is a necessary part of business for anyone who touches a credit card. $79 or $139 per year is a reasonable cost when compared to the cost of a data breach. Even if you do not have a POS system, you still touch, handle and store receipts. A yearly review of your business practices when it comes to YOUR customer's data security is not intrusive.

Is the PCI DSS process an insurance policy against a data breach? NO. But doing nothing is the worst course of action.

And any merchant processing company that says that they don't charge or do anything proactive on the PCI DSS issues are NOT doing their merchants any favors. They are burrying their heads in the sand and pretending the 1000 pound gorilla is not out there. Many of my competitors ran around using the First Data annual compliance fee as a sales tactic and called us greedy and a rip off. It's time to wake up folks. Do your part.
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#3 Author of original report

North American Bancard gave me the run around again

AUTHOR: Discountsprinkler.com - (U.S.A.)

POSTED: Monday, January 19, 2009
I received a call the other day from North American Bancard about the BBB complaint I filed on them. I was told that I had to pay that fee, I asked why, that has nothing to do with me.
I was never gave me a logical explanation why I had to pay except, I had to just pay it. This fee has nothing to do with PCI compliance. This company and several company's like this one have no regulation (big brother) looking out for us the customers.
This opens the door for them to rip the customers off and we are at there mercy have no recourse. We are forced to accept Credit Cards, we are forced to hire companys like this one or we the Retailers will be out of business. We need help regulating them, the BBB is worthless help.
I am going to give (Heartland payment systems) a try, I have seen that they have a good track record with very little complaints. They seem to be competitive, honest and I can get into customer service 24/7 within 30 seconds.
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#2 UPDATE Employee

Company Response

AUTHOR: North American Bancard - (U.S.A.)

POSTED: Monday, January 12, 2009
Dear Merchant,

North American Bancard works very diligently to resolve all customer issues and complaints. Since our inception in 1992, we have worked with over 125,000 merchants of all sizes and levels of complexity. We provide a high level of service and support to our customers, as is evidenced by the low number of complaints we handle. Occasionally we, like any other large company, may make a mistake or mishandle an issue. When these are brought to our attention we resolve them to the best of our ability. Our 250+ employees work hard every day to make doing business with NAB a pleasure for our merchants and stakeholders, all we ask is the opportunity to recover well.

In an effort to address your many concerns and provide you with some very pertinent information specific to the PCI compliance mandate, we have compiled the information below for your review. The PCI Data Security Standard (PCI DSS) originally began as five different programs from the five credit card schemes (Visa, MasterCard, American Express, Discover, and JCB). Each company's intentions were roughly similar: to create an additional level of protection for consumers by ensuring that merchants meet minimum levels of security when they store, process and transmit cardholder data. The Payment Card Industry Security Standards Council (PCI SSC) was formed as a neutral body to address conflicts among the credit card schemes in developing a standard. On Dec. 15, 2004 the credit card schemes aligned their individual policies and released the Payment Card Industry Data Security Standard (PCI DSS).

We advise all of our merchants to retain a copy of their signed agreement when they board with us for future reference. We will also provide a copy of their signed merchant agreement to them whenever requested. The merchant agreement is broken up into sections and as per Section 17 Amendments; we in conjunction with Global Direct do reserve the rights to amend the accounts at any time. This is exactly what has occurred on your merchant account. All of our merchants receive at least a thirty day notification of any amendments to their accounts.

North American Bancard partnered with McAfee, a leader in the security risk management industry, in late 2008 to give our merchants full access to McAfee PCI Compliance Service at no charge. In reference to the $79.00 fee you were assessed, we notified our merchants of the onetime $79 fee on their November 2008 statement. They were advised that the $79 fee provided them with access to the tools that can help them achieve and maintain compliance. We have also advised our merchants that the fee was not imposed on them from McAfee. It is the fee assessed to all of our merchants to mitigate the costs associated with becoming and maintaining compliance, updating terminal software nationwide (including enhanced protocols for protection of cardholder data passed by the Fair and Accurate Credit Transaction Act (FACTA) mandating how card numbers and expiration dates must appear on receipts), providing applications with enhanced security, and replacing non-compliant hardware.

In conclusion, all merchants, whether small or large, need to be PCI compliant. The payment brands have collectively adopted PCI DSS as the requirements for organizations that process, store or transmit payment cardholder data. The PCI Security Standards Council (PCI SSC) is responsible for managing the security standards while each individual payment brand is responsible for managing and enforcing compliance to these standards. For questions regarding compliance validation requirements and deadlines as well as compliance reporting requirements, please contact North American Bancard's Customer Service Department at (1800) 226-2273 extension 1300. In regards to refunding the onetime only fee of $79, we will do so if the merchant became compliant prior to our notification in November 2008. For more information regarding the PCI security standards, please refer to their website https://www.pcisecuritystandards.org/.


North American Bancard
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#1 Consumer Suggestion

Help with NABancard Deceptions and Lies

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

POSTED: Friday, January 09, 2009
If you really do not want to do business with this company, and you feel you have been lied to or deceived, do some research. Read all the comments you can about North American Bancard, on this site. Go to (((Redacted))) and read stories about NABancard. Type in North American Bancard lies or deceptions, or whatever you want into google search, and see what other info is out there. THEN, use this information and see what applies to your case and call NABancard and ask to speak to a supervisor. Document everything by writing letters, or keeping copies of emails, dates you called NAB, and any thing else you did to try to rectify the situation. If a supervisor does not call you, or speak to you, or you feel they are not willing to work with you.... File a report against them with the BBB, in your state, and in the state of Michigan. File a report against them with the attorney general's office in your state and/or the state of Michigan. Have your bank dispute the PCI charge. Freeze your bank account where NAB is auto debiting, or close it altogether. If you are being unfairly charged, you must fight back, or you will get no resolve. Good luck and stay away from companies like this one. Do your homework next time, before agreeing, or even signing an application. Type the company's name into GOogle, and see if the company has lots of arguments against it, and many complaints...that is a sure sign to avoid it.

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