AmeriBanc National, LLC

We have reviewed the information on the account and it looks like this account has been in collections several timesThere is a past due balance of $for rejected feesThis can be resolved by contacting our collections departmentOnce the payment is resolved, this will put the account back in good standing and the account can be used to continue to process transactions

Initial Business Response / [redacted] (1000, 5, 2014/10/15) */ Review of the account indicates the merchant's account was open in October There has been no active processing on the account since October (Inactive status)While there has been no active processing, the account remained open until the time we received a call from the merchant to cancel services(July 7, 2014.) The account has been cancelled at the merchant's request effective July 10, Please note, that while we did receive one call from the merchant's business in August 2013, we did not receive any request to cancel from the authorized owner prior to July 7, During the August call, we requested that the authorized owner call back to proceed with the cancellationWith the closure of this account in July, no additional charges for monthly service fees have been debited from the merchant's bank accountFurther, while the merchant indicates the equipment was returned, we cannot confirm that it was received by AmeriBanc National- [redacted] We did advise the merchant that return of the equipment does not cancel the account and that a written cancellation request would have been neededWe did submit call tags and boxes to the merchant to have this equipment returned to ABNThis equipment is the property of ABN and needs to be returnedWe have still not received this equipment and the merchant was charged a $non-return of terminal feeLastly, our contract terms indicate that the merchant has days (from the date of charge notification) to dispute charges made to their account to be considered for reimbursementWe do not typically refund for inactivity as it is the merchant's responsibility to rectify their account and notify us at an earlier time to prevent billing if the account is not activeAt this time, no refund amounts for monthly services fees will be consideredHowever, once the equipment has been returned, a refund of the $non-return of terminal fee will be givenPlease let us know if you require additional information Sincerely, [redacted] AmeriBanc National (ABN)

If you are a small business owner and you are looking to accept credit cards I would avoid this company The individual who came in and explained the service did not explain to me all the fees that would be attached to the credit card terminal and support I ended up not using the service due to a change in plans for my own business but was still charged for the serviceWhen I called to cancel the service and request a refund I had a pleasant experience with the customer service repShe did unfortunately tell me that I would be unable to receive one due to the closed status I requestedBut neglected to tell me that before I asked for the account to be closedWhen I spoke to her supervisor he did tell me he would refund me dollars, but that was insignificant compared to the dollars I had been charged up to this pointOverall it was a poor experience and a shady deal Do yourself a favor and stay clear of AmeriBanc National Thank you for your time Jason [redacted]

Initial Business Response / [redacted] (1000, 8, 2015/05/18) */ While we strive to provide all our merchant's with the best possible service, it's important for us to know when that fails to meet expectationsPer the signed contract, all the fees billed are agreed to upon signingWhen the merchant physically signed this agreement, all fees and charges were visible and could have been discussed during contract signingWhen concerns arose the merchant contacted Ameribanc's offices and spoke with a regional manager who again went over all fees on the signed agreementThe merchant called once more after this initial call and spoke with this same regional manager to discuss feesDuring the second conversation, a refund of months of fees as well as removal of a $fee was offeredThis refund offer was declined by the merchantMultiple attempts were made to rectify this situation and offer an agreeable solution to the issue including refundsAdditionally, a training call was made at the inception of this account to assist the merchant with proper use of the new credit card processing equipmentThis training assistance was declined by the merchant as wellDuring each call to the merchant, fees or other concerns were discussed and solutions were offeredSadly we were unable to satisfy the merchantAs of April 23, the account has been closed and no termination fee was billedNo refunds would be considered at this time as all fees are agreed to upon signing of the agreement and initial refund requests were deniedThe original agreement can be provided to the merchant at their requestShould you require any additional information please let us know Sincerely, Ameribanc National Initial Consumer Rebuttal / [redacted] (3000, 10, 2015/05/20) */ (The consumer indicated he/she DID NOT accept the response from the business.) There was never months of fees offered to me The two month of fees would be march 3, $April 2, which total $I was only offered for my refund and that was the last call I made before contacting the Revdex.comIf the months fees would have been offered I would have excepted it Remember the salesman introduced himself as [redacted] and left me a business cardWhen I spoke directly with him by phone he told me he had never been in my BusinessWhen I called the cell number written on the back of the card no one ever answersThe so called agreement I sign I believe is not binding because it is sign by someone named [redacted] #XXXXXI will be happy to forward the business card that was left by the man who was at my business He also took my agreement with him and I believe he made changes to it I was told the fee was a month plus a 1.29% processing charge for transactionswhen he offered me the wireless terminal I asked him point blank was there any hidden charges? He replied no ,because I already had wireless connection at my place of business Again which man came in my store and told be all these lies? I need Ameribanc to find outI have no reason to lie about this matterI have been in business for years and have never had a processing terminalI would never agree to these kind of charges for one I believe if they do not find this employee and reprimand him their will be a lot more of this deceitMakes me wonder if this is just a scam My last conversation was with [redacted] Regional Manager where she offer me $I told her no that this is not okI wanted all the monies they had debited from my account refundedShe said that was all that they were willing to offer me She said she remember me calling asking about the agreement the day ofShe also said she went over the agreement with meI Replied so you are saying that you went over all the charges with meShe did not respond, I said no you did notSo I asked her to prove it The regional Manager did not discuss the fees and charges with meIf she had I would have stop it right awayI Feel sure this company records all there calls so please let us listen to all the phone conversation that I am involved inAlso I would love to speak directly with the employee who I spoke with in my business and also the man who signed this agreement Again I have no reason to lieThis issue has caused me a lot of time as well as a lot of stressThis has taking away from my business just as it is doing now I Am a good and honest Business PersonI have never had to deal with anything like thisSince I never used the terminal and have returned it in excellent condition I see no reason why AmeriBanc should not refund my money I do regret ever letting their salesman enter my storeYou can believe I want ever make that mistake again I do know what I was told on the day of Jan and I will stand by it 100% Since my agreement was not left with me and those little box could have been checked of at any timeI don't see why AmeriBanc is having a problem with thisTerminal has been returned in excellent condition So people lets find this sales rep Final Business Response / [redacted] (4000, 15, 2015/06/03) */ Additional information is under reviewResponse will be posted; This is the response submitted by business; It is unfortunate the merchant had a less than favorable experienceDespite all these circumstances mentioned, including new information in regards to the claim involving altering of the agreement, a document was signed in which the merchant agreed to all terms and conditions thereinThis agreement included but is not limited to all rates and fees, viewing monthly billing statements online at no charge, and reporting any erroneous billing charges timelyCharges and fees are listed on the first page of the agreement and the merchant signs directly under this informationThis is done in an effort to allow the fees to be reviewed once more before signingThe signing of the agreement at that point signifies full understanding of the terms and conditions as well as the billing charges associated with the account Every attempt was made by Ameribanc National to assist as well as explain the fees listed on the application with the merchantAs indicated in her original complaint, a phone call was made by the merchant, to our Regional Manager, which clearly indicated the Manager went over the concerns involving feesAt that time all of the fees were explained and discussed in great detailOn multiple occasions, the merchant called to discuss fees and received a thorough explanationShe was not charged or billed outside of the signed contractAdditionally, she was able to cancel, as she mentioned, with no cancellation costs or feesAt no time was the application changed or altered as is now indicated in the supplementary complaint informationNor was this concern mentioned in any phone conversationThe fees referred to and signed for are in fact the fees billedNo applications or documentation has been produced to the contraryEach month the charges were valid per the signed agreement The Regional Sales Manager oversees all of the Sales Representatives, so at that time it was unnecessary for any sales representative to be involved with dispute resolutionSales representatives do not sign the agreements however a representative from the office may attach their name to the application for tracking purposesThis has no bearing on fees, charges, or terms and conditions of the agreement The "internet charge," referred to as Groovv Offers on the statement was agreed to via primary account holder signature on the original applicationIn an attempt to accommodate the Merchant two months of this fee at $per month for a total of $was offered as a refund to the merchantThis represents the $previously proposed as a refund to the merchantAlthough declined initially, this refund has been processed as a courtesyPlease allow 3-business days for this amount to reflect to the bank account on fileIt is unfortunate that these circumstances have transpired and the merchant feels that she received less than superior serviceHowever, at this time no additional refunds will be considered beyond what has already been assessed

Initial Business Response / [redacted] (1000, 8, 2014/06/30) */ I attempted to contact [redacted] today, but received his voicemail [redacted] called in to cancel his processing account on June 17th and requested a refund, the same day this complaint was filedHis account has been closed as well as a refund processed in the amount of $that will be deposited to his bank account in 3-business daysThe process to close his account was started the same day of his requestIt can take up to days for the closing process to completeHis processing account was set up and the terminal shipped to him in JanuaryIt wasn't brought to our attention until June that he did not want the accountIt was then closed per his requestWe would have been happy to close the account for him sooner had we been made aware there were any issues

Initial Business Response / [redacted] (1000, 5, 2014/09/02) */ Mr [redacted] did return the equipmentIt was received on August 19thHowever, some of the contents that belonged with the terminal were missingIf we do not receive the complete equipment including power cords, it does go in the system as a partial returnThe merchant is still charged the equipment fee when all items are not returnedOnce we receive all of the contents a refund is in turn issued to the MerchantWhen Mr [redacted] called in to our customer care team on the 26th he was advised of the equipment return & told he was being transferred to the equipment department so they could go ahead & initiate the refundEven though we only received partial equipment we were more than happy to give him a refundFor whatever reason that call did not connectFrom listening to the recorded call it appears Mr [redacted] hung up before the transfer was completeThat was the one and only time we had contact with Mr [redacted] regarding the equipment & refundWe would have been more than happy to explain to him what happened and let him know a refund would be processed for himMr [redacted] did not call back and then filed the Revdex.com complaintThe refund has already been processedDue to the weekend & holiday he will see a credit to his account today or tomorrowHad we been given the opportunity to assist Mr [redacted] the day he called in, we could have advised him of the partial equipment return and that we were moving forward with a refund for the equipmentThe account is closed & noted as equipment receivedRefund has been processedThere are no outstanding issues on this account Initial Consumer Rebuttal / [redacted] (3000, 7, 2014/09/03) */ (The consumer indicated he/she DID NOT accept the response from the business.) They are lying pure and simple all the equipment was packaged and sent to them I called them multiple times as soon as I told them who I was they kept putting me on hold for hours so I had no resolution to file a complaint no one would get on the phone and speak to me they are lying pure and simple they have terrible customer service horrible horrible horrible company I would never recommend them to anyone they should have a zero rating as far as I'm concerned the lowest rating you could possibly give a company they are beyond horribleIt is more than obvious that I will be filing a small claims suit against them so tell them to lawyer up Final Business Response / [redacted] (4000, 9, 2014/09/03) */ I apologize Mr [redacted] feels that wayOur goal here is to resolve the desired resolution the Merchant is looking forWe did attempt to resolve his issue before his complaint was madeMr [redacted] did not accept my previous response, but did not indicate in his reply what further resolution he is looking forHis original complaint indicates desired resolution to be the return of the $As I indicated in my previous response, the credit was already issued and funds were returned to his bank accountThe credit card processing account is closed as well as marked equipment collectedThere is nothing further to be resolved on this accountMr [redacted] should have already received the creditWe have confirmation from the bank that the credit was madeThank you

Be careful dealing with this companyThey tried to get me to switch today 3/01/The salesman told me that he "his rates were cheaper" or he would give me Well I then showed him my from my current processor on in sales they charged me in fees, or 2.52%almost half of these sales were non-Qualifiedthere non-Qualified rate is 3.24% + extra statement fees and transaction feesAlso when I looked over the two page agreement it was missing a lot of fine details,the salesman assured me that it was completeupon reading this I found a web address with an additional pages of contractThe salesman never knew it was theirHe then called his boss and asked if I would talk to him and his boss told me that I " did not know what I was talking about" I told him the had all the info and he said it was wrongthe conversation went downhill from theirThe Salesman also took an image of the without my permission and transmitted to his bossIn Conclusion be carefull, do not share any info with themand I did not get my

Initial Business Response / [redacted] (1000, 8, 2015/02/26) */ Response to Complaint ID#: XXXXXXXX AmeriBanc National strives to provide our merchants with the best possible service, and when they feel that it fails to meet expectations, it's important for us to knowA refund of the $early termination fee has been completed as of February 26, Please allow 3-business days for this credit to reflect in the merchant's bank accountPlease let us know if you require additional information Sincerely, Customer Services AmeriBanc National

While we strive to provide all our merchant's with the best possible service, it's important for us to know when that fails to meet expectationsPer the signed contract, all the fees billed are agreed to at signingHowever, as a courtesy, we have processed a refund of the remaining $charged to the merchant account for September Please allow 5-business days to have this credit reflect in the merchant’s bank accountThe account is closed as of September 26, Please let us know if you require additional information Sincerely, Customer Support AmeriBanc National Thanks,

Initial Business Response / [redacted] (1000, 5, 2015/09/25) */ While we strive to provide all of our merchant's with the best possible service, it's important for us to know when that fails to meet expectations. This account was originally approved for a $30,000 average monthly volume and $2500 average... amount of transaction. The first batch of transactions processed with no issue. However, the next transactions processed was for $13,000. Although this is within the approved monthly volume, it is well over the approved average ticket and carries a substantial amount of risk considering the future services liability aspect. We attempted to verify this transaction with the cardholder on August 7, 2015. We did not receive a response via call back until August 11, 2015. At that point, the transaction was submitted for review and was held based on the overall risk involved. Unfortunately, at this time the merchant asked that we reverse the transaction back to the cardholder and close their account. Normal reversals take between five to seven business days and a rush request takes between three to five business days. Global Payments processed a manual transaction in order to complete this with a one day turnaround time. Normally if the merchant runs a return, the funds cannot be directed to be debited from held funds or the reserve amounts. Our organization requested that Global payments process the return so the funds could be debited from the reserve instead of the merchant's bank account to prevent further inconvenience to the merchant. Due to a purchase and return being processed, applicable fees associated with both the sale and the credit are assessed. All agreed upon procedures and protocols of the merchant agreement were followed. Based on this information, no refund will be issued for the monthly billing charge for August 2015. Please let us know if you require any additional information. Sincerely, Ameribanc Customer Support

Because quality customer service is our top priority, we make every effort to ensure our merchants have the best possible experienceIn the case our efforts fail to meet the expectations of our customers, it is essential that we are aware and address any issues Regarding the debit for $96.92, although your monthly fees were waived for the month of November, you still processed up to 11/13/and were only charged for processing During December you did not process with us, but our system charged you a Regulatory and Security fee in January Refund has been processed, please allow 5-business days to have the $credit reflect in your bank account

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Sincerely, [redacted]

Initial Business Response /* (1000, 8, 2015/02/09) */
*** *** Thu, Feb 5, at 4:PM
To: *** ***"
Hi ***,
I understandBut after further digging I really am not sure what he is talking aboutHe was removed from our do not call list, but asking for ABN to be
held liable for any other affiliated company not contacting him is impossibleThere are hundreds of processing companies out thereAnd that fact that he is a business owner doesn't not necessarily exclude him from a national do not call listHe was removed from our personal call list immediately when it was requestedI am not even sure what mailed letters he is referring toThese could have been sent to other processors
Anyway, with that said here are the history notesHe set an appointment up with us more than once to come out & see himIn addition, his wife in the end was the one that had communication with our company & wanted to see what we could do as far as saving them moneyI am not sure what transpired to upset *** in the end, but he was removed & has been removed from our call list since the 29th when he spoke to our managerBelow are our account notes as well as call history with this merchantWhich include them reaching out to us & setting appointments with our company
*** I am showing calls for this outbound from the call center
6/3/1:11:PM (Called didn't speak to owner)
11/5/3:52:PM (called spoke to owner *** and set an appointment for a sales rep to go visit) (CC notes ** Owner is *** Accepting ccdc now Interested in seeing if we can beat his rates If we can we can do business)
12/31/2:07:PM (Called didn't speak to owner)
1/13/9:13:AM (Appt set for Sales rep to Visit) *** Owner is *** Accepting ccdc now Wanting to see the rates we offer Also more on EMV We are meeting with *** and her husband)
ON 1/29/(An Appt was Created for the Sales rep to visit again as a reset meaning they called back a previous apt that was not closed) (CC notes RESET CL owner is *** he takes CCDC nice guy wanting to see more on our low rate guarantee to see if we can show him any savings each month also wants to learn more about how apple pay works)
I have added this To the DNS on 1-29-at a level (Never call back ever)
Initial Consumer Rebuttal /* (3000, 13, 2015/02/13) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Lets clear up a few thingsDefinition of af*fil*i*at*ed ( a subsidiary group or a person) officially attached or connected to an organizationABN is affiliated to *** *** *** *** ABN is a ISO (Independent Sales Org.) for *** Midway down 1st page of appand agreement under the header "Important Information" *** is mentionedThe only reason Sales rep showed up first time is because your call center agents will not accept the word "NO" The 1st time sales rep showed I told him directly to tell ABN to no longer contact usReceived multiple calls after thatTried to tell inside call agent not to call, but person stated "we are not trying sell anything just compare." Since all previous request go unnoticed I fell my only recourse is Revdex.com
Sales presentation is a total out right liesNon disclosure that you are signing a contract with many differnt companies mainly *** and *** *** *** IncCustomers are only presented with a page appand agreementCard machine page means nothing since it is headed Invoice and Receipt FormThe true "MERCHANT CREDIT CARD PROCESSING AGREEMENT " for ABN and *** can be found at http://www.merchantsupport.info/disclosure/pdf/abn.print.page.terms.pdf
http://www.merchantsupport.info/disclosure/pdf/***.print.page.terms.pdf
In section of the ABN and *** MERCHANT CREDIT CARD PROCESSING AGREEMENT
Thes fees are not shown on cost comparisonWhich makes your comparison a total liesales rep says .5% for all cardsEarly termination is charged by *** not AbnMaking a no cost no fee termination of agreement a lieThe word "Servicers" is interpreted as being ABN, *** and Global, so who's going to make the rules? I could go on but your response will tell the the truth or that you are trying to hide things
The letter in mention is for the comments made about me insulting my intelligenceThis was overheard when sales rep was on smart phone with inside sales managerYes if you are within several feet of a smart phone you can hear what is being said on the other endYour phone call dates may dates may be right, but what transpired on phone is falsemy wife never takes these calls for the last monthsWhat dose the "KW" before our name mean?
Final Business Response /* (4000, 15, 2015/02/16) */
Mr*** was put on our do not call list on January 29th when he requested we do so, prior to the Revdex.com complaintResolution to Mr*** complaint that he be removed from our call list has been completedWe have addressed his complaint

Initial Business Response /* (1000, 5, 2014/09/09) */
Response to Consumer Complaint Case #: XXXXXXXX
Review of the account indicates the merchant's account was open in May There has been no active processing on the account since September (Inactive status)
While there has
been no active processing, the account remained open until the time we received a call from the merchant to cancel services(September 3, 2014.) The account has been cancelled at the merchant's request effective September 9, Please note, that while we did receive calls from the merchant in July regarding the removal of *** from the account, we did not receive any request to cancel the account prior to September 3, With the closure of this account, no additional charges for monthly service fees will be debited from the merchant's bank accountFurther, while the merchant indicates the equipment was returned, we cannot confirmed that it was received by AmeriBanc National-Merchant ServicesIt's possible the merchant returned the equipment for this account to another processor and not ABNPlease be advised that return of the equipment does not cancel the account without a written cancellation requestWe have submitted call tags and boxes to the merchant on 09/08/to have this equipment returned to ABNThis equipment is the property of ABN and needs to be returned to avoid a non-return terminal fee of $(T4100) and $*** PIN pad)Lastly, our contract terms indicate that the merchant has days (from the date of charge notification) to dispute charges made to their account to be considered for reimbursementWe do not typically refund for inactivity as it is the merchant's responsibility to rectify their account and notify us at an earlier time to prevent billing if the account is not activeAt this time, no refund amounts will be consideredPlease let us know if you require additional information
Sincerely,
Merchant Services
AmeriBanc National(ABN)

Initial Business Response /* (1000, 5, 2015/05/18) */
While we strive to provide all our merchant's with the best possible service, it's important for us to know when that fails to meet expectationsThis situation is most concerning as the attempts to credit the merchant's statement for the
agreed upon $credit failed to processThe credit was issued however, the credit to the statement rejected due to a system errorA credit of $has been processed directly to the merchant's account as of May 13, We apologize for the inconvenience and want to thank the merchant for their business
Sincerely,
Ameribanc National
Initial Consumer Rebuttal /* (2000, 9, 2015/05/20) */
(The consumer indicated he/she ACCEPTED the response from the business.)
$was credited to our account as indicated by Ameribanc's response

Initial Business Response /* (1000, 5, 2015/01/16) */
Response to Case #: XXXXXXXX
AmeriBanc National strives to provide our merchants with the best possible service, and when they feel that it fails to meet expectations, it's important for us to knowA refund of the $Security and
Regulatory fees has been completed as of January 13, The merchant's patronage is important to us, and we hope they will continue to give us opportunities to serve them
Sincerely,
Customer Services
AmeriBanc National

I Cant think Ameribanc National Enough for providing me with an outstanding No Cost set up
not only did my Consultant Darren *** listen to my needs but he understood them and was diligently made sure that I had the best set up at the lowest cost he beat my old processor by $a month I was provided with outstanding customer service and he made himself available through the entire process wich was seamless
iv been in business for over yrs and have delt with now including Ameribanc Credit processing companies and they are by far the best of the best iv now been a customer for a little over months and wish I had made the switch a long time ago
Thank you Darren *** And Ameribanc for not only saving me ALOT of money but also for Being the Great Company That you Are
Jason
Houston TX

I was contacted by this company about one of their servicesI told her multiple times we were not interested and she began to use bully tactics and insult my intelligenceI am not one to be rude but I hung up before my patience was goneI had not ever heard of this company but, by looking them up I see that their *** reviews, this is a serious issue for them

Do not do business with this company! They hire crooked employees and do not follow up with customer complaintsOne of their employees came to see me about doing business with them and I told him noHe then proceeded to forge my signature on a credit application and copied my account informationI have had money deducted twice out of my accountThen I was shipped credit card equipment that I refused delivery ofNow I have had money withdrawn out of my account once again because this company says I did not return the equipmentI have spoken to some low man in the company and he checked and said that the equipment was received some time ago but apparently was never logged in as received and that is why they had taken that money outSo I repeat DO NOT DO BUSINESS WITH THIS COMPANY!

When I signed up with the very nice representative of Ameribanc, I was told I would not be charged if I returned their equipment within days should I decide against debit/credit card servicesI have never accepted debit/credit cards in my business I returned the equipment which never was unpacked before days and did not notice, but they continually debited my account each month from that time beginning with a $charge, rising to a $charge, rising to a $charge and the service was NEVER used I have written Ameribanc and demanded a full refund of $ So be careful what you sign!