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North American Bancard

United States, Michigan

Consumer reviews about North American Bancard

DukeL
Dec 13, 2011

Fees, rates, passwords

The NAB also refused to provide the (free) terminal (as the NAB’s advertisement) and refused to program PCCharge Software on our POS system as clearly indicated in the Merchant Application.
On November 16, 2010, We wrote a letter to Rebbecca Paull, Research Manager of NAB trying to resolve the merchant’s issue, but I got no response from her. One year later, the NAB placed the merchant account in collection.
MERCHANT No. 8788290220884

rpaull_nab
Dec 14, 2011

Fees, rates, passwords

We received a correspondence from you on 10/27/2010. On 11/01/2010, we responded asking to please provide specific information, as the letter your sent was simply asking for a copy of all contracts and that you would like to stop any charges.
Again, we show that we shipped the requested free terminal and swapped it when there was an issue with it.
I urge you to reach out to me directly so that we can actually assist you.
My email is [email protected].
Thank you,
Rebecca

DukeL
Dec 14, 2011

Fees, rates, passwords

Rebecca,
We sent a letter dated 10/27/2010, and we specifically asked for the copy of origin contract, not illegible document. You responded, on 11/01/2010, that you want to resolve the issue without further delay, however, you did not provide us a copy of the origin contract as requested, but a copy of illegible copy of copy of fax (I understand that you would tell me that you didn't keep or lost the origin contract). On 11/16/2010, I response to your 11/01/2010 letter trying to resolve the merchant issue of the NAB refusing to provide the FREE terminal and software as clearly indicated on the application (I clearly understand that you already said you not receive it!). Since then, I heard no response but one year later, the merchant account in collection.
Rebecca, since this is the first time I heard that the NAB sent us a FREE terminal as indicated on the merchant application, can you provide (or write) us a statement states that the NAB already send us a FREE terminal on date xxx? I want in writing!
Assume that the NAB did send the "FREE" terminal to us, then why did the NAB refuse to reprogram PC Charge software as clearly indicated on the application?

rpaull_nab
Dec 22, 2011

Fees, rates, passwords

DukeL,
We have received back the equipment that was provided for free, and we had also built a file for the PC Charge that was available for download and processing at your convenience.
We apologize for any misunderstanding and will be sending you additional information via U.S. Postal mail.
Thanks,
Rebecca Paull
Research Manager

DukeL
Dec 24, 2011

Fees, rates, passwords

Rebecca,
Yeah! It's misunderstanding that the PayProTech (forgery) turned the FREE equipment (of NAB) into the LEASE equipment.(of First Data), and the PC Charge was available that located (hidden) somewhere that we haven't known. The deal was the NAB reprogram our PC Terminal, not we reprogram our PC. I look forward to see what's in your additional information.
Rebecca,
The card service agreement without the Merchant's ACCEPTANCE is the NON-BINDING contract, and the NAB withdrew money from the merchant's bank account based on the term of the NON-BINDING contract was an act of a thief, and by sending the the merchant account to a collection based on the NON-BINDING contract was totally illegal.
The NAB shall be responsible for any damages caused by its acts!

rpaull_nab
Dec 28, 2011

Fees, rates, passwords

We have responded to you via email.
Thank you,
Rebecca Paull

DukeL
Dec 29, 2011

Fees, rates, passwords

Rebecca,
According to the PayProTech who signed the Merchant's application, the equipment was the LEASE equipment of the First Data, and it's NOT the FREE equipment of the NAB. Until now, there is no reprogram PC Charge software setting up for us to perform any credit card transaction.
Please read the last paragraph of the Merchant's Acceptance section in the Merchant Application. It clearly states:
"A MERCHANT'S SUBMISSION OF A TRANSACTION TO GLOBAL DIRECT SHALL BE DEEMED TO SIGNIFY THE MERCHANT'S ACCEPTANCE OF AGREEMENT, INCLUDING THE TERMS AND CONDITIONS HEREIN." Hence, we've never submitted any transaction, therefore is NO ACCEPTANCE of the Agreement.
The card service agreement without the Merchant's ACCEPTANCE is the NON-BINDING contract, and the NAB withdrew money from the merchant's bank account based on the term of the NON-BINDING contract was an act of a thief, and by sending the the merchant account to a collection based on the NON-BINDING contract was totally illegal."

rpaull_nab
Dec 30, 2011

Fees, rates, passwords

Again, We have responded to you via email.
Thank you,
Rebecca Paull

DukeL
Dec 30, 2011

Fees, rates, passwords

Rebecca,
Not only what you wrote but also the amount the NAB had been debited to our bank account before November 01, 2010, based on the term of the NON-BINDING contract should be reimbursed.
Please understand that no one would do $ business with people who tricked and forged documents.

rpaull_nab
Jan 3, 2012

Fees, rates, passwords

As I have advised numerous times via email, although your claims are not completely factual, we have canceled your account and removed all amounts from the collection agency.
In regards to First Data Leasing, we are not party to any lease agreements. That would be an agreement with a third party provider, and unfortunately we can not assist with any aspect of that, however you are able to share with them our correspondences if needed. You would need to work with them directly.
No credits are due to the business as we have cleared all previous losses.
Again, we apologize for any misunderstandings that have occurred with your account and wish you the best going forward.
Thank you,
Rebecca

Mark. W
Mar 28, 2012

Fees, rates, passwords

Hmmm, seems to me everybody lost and everybody won. NAB you should have resolved this in a faster time frame. Duke you seemed to deal with this from a place of anger and in doing so i think you are part to blame for the length of time it took to resolve your issues.
I am considering changing to NAB but am going to think hard on the matter now. This has been an eye opening read.
Thank You both Duke & Rebecca
p.s Rebecca great job

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