National Bankcard, Inc.

DON"T trust [redacted] and National Bankcard, Inc.They Are holding $31,000.00 more then 60Day.

National Bankcard, Inc And [redacted] Both Are Patner.

Fast National Bankcard, Inc Are open My Murchant Account .

afer They Tranfar My murchant account At [redacted]

Now they are Holding More then $31,000.00 over 60day. very very Bad customer service.

We signed up with National Bank Card which also goes by iPayment. We have found that this company is unprofessional and shady. About a month after signing up for their merchant services we were put into review because a representative from National Bank Card called a client of ours and confused them. Then when the review process was taking too long National Bank Card suggested that we reverse the changes and run the cards through a different merchant account so that is what we did. Later while speaking with a representative we were informed that we are no longer in review and could resume running cards. Then when we started running cards again the amounts went into review. As a result we ended up reversing the charges again. Two month later we decided to close our account and were charged for all of the funds which we ran and reversed. This is unacceptable and not a normal practice of merchant services.

Review: Our merchant account started last March **, 2015 and was closed April **, 2015. We are missing the amount paid by customers for April **, 2015 transactions and the amount is $4969.47. This [redacted], [redacted] and National Bankard are all connected companies and maybe same owner. [redacted] is the main gateway for the [redacted]. Like when there is a paid transaction or sale [redacted] will be able to check if it went through to [redacted]. We called the [redacted] about the APril **, 2015 paid transaction and they were telling us that they transferred the $4,969.47 to [redacted]. But [redacted] DID NOT transfer the money to our account and telling us that the transaction never happened in the gateway. This [redacted] company has been holding money from our account of more than $32,000 since we open our merchant account with them and they even closed our account so that we can no longer log in and check all the paid transactions. Until now they DO NOT released any single centavo. They have very bad customer service, telling us different stories about what happened to our money and when we asked them more questions they yell and say bad words on us. Hope Business Bureau can help us to get all the missing money of $4,969.47 and the immediate release of our total paid transactions of more than $32,000 from [redacted].Desired Settlement: We want this complaint be resolve by getting our money from [redacted] that they've been holding and the paid transactions that our missing

You can contact the [redacted] for clarification of all the paid transaction that went through and was transferred to [redacted]. Here are the contact information:

[redacted] Customer Support at ###-###-####

Our Merchant Account Number is

LAst 4 digit or our Business Tax I.D: [redacted] Our Email Address: [redacted]

Business

Response:

[redacted]This merchant signed up for a merchant account on 3/**/2015 and was approved for a Monthly Processing Volume of $30,000.00 per month with an Average Ticket of $300.00 and a High Ticket of $1500.00. On 3/**/2015 the merchant ran 2 transactions on the same credit card at $1212.32 each bringing the total transaction size to $2424.64 which was over the merchant's $1500.00 per transaction limit. The transaction was flagged and held by our risk department. During the review with the Risk Department negative responses started coming through from card holders that were charged by this merchant. Out 11 transactions 4 card holders have issued charge backs at that point. The account was closed due to security risk. At this point [redacted]'s Risk Department has been in contact with the merchant.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

It's been 4 months now and they never released any single centavo to us. They closed our account and got our money. This [redacted] company and National Bank Card have very poor customer service and no proper accounting. All our chargebacks were already resolved and all the shipments have been delivered. Where is our money now??? They told us that they will release our money today July **, 2015, but they didn't release. These 2 companies have same addresses and same P.O Box addresses only. No office address to go and complain. Please be careful with these 2 companies. Please Business Bureau help us, we need the money for our business, paying our manufacturers and suppliers. We don't know what kind of people we are dealing with these companies. Why they don't release our money? Too many questions they can't answer. Please check the attached file of Paid transactions from [redacted] with total amount of $32,617.30. If they are holding the chargebacks they can keep it but please release the cleared transactions. 4 months is too long to hold our money. Plus they told us they will released our money today but did not do it. Please help us Business bureau. Thank you.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

As per Risk, Ken spoke with the merchant on 07/**/15 and advised that the account will be up to review for release as of 08/**/15. There were several charge backs on the account, however as of 06/**/15 there has not been any charge backs reported, so on 08/** he will review the account again for release the held funds.

This business needs to update their contact information. I found a number on a military website (###-###-####) I called this number and asked to speak to someone in regards to military issues. When a representative answered the phone I didn't really hear what the individuals said at first. I just heard the sound of a name starting with an "*", so I assumed that it was the right number.

The representative hung the phone up in my face when I tried to explain the situation I was having. I called back twice and spoke with other employees who treated me the same way for no reason. I asked to speak to a supervisor, and the supervisor was sarcastic and rude when I reported the incident. The treatment I received was not necessary.

Review: I opened an account with this company back in March of this year. I approximately started using their service on March [redacted] 2015. I was informed on 4/**/15 that my account was deactivated and the person I spoke to in Technical told me he couldn't tell me why until I spoke with customer service on Monday 4/**/15 causing me not to be able to take customer payments by credit card until then. I sent an email to [redacted] on 4/**/15 stating if my account was deactivated then I wish not to do business with their company. On 5/*/15 I was charged $36.41 from them for their monthly service. I sent an email to salesman [redacted] about this on 5/*/15 and 5/*/15 asking why I was charged for a month when I was deactivated. I have not heard back and am frustrated with why my account barely was active a month and to date I was charged 4/*/15 and 5/*/15 with monthly charges. I would like my $36.41 sent back to me when I no longer use their service.Desired Settlement: I just want my $36.41 back and will advise other merchants like myself not to use their services.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: We are a customer of National Bankcard Inc. As a merchant service provider, NB hold our funds for a really very long without releasing. The reason they said is we passed the limit that we provided when we opened the acc#. This is the first time I heard a such reason to hold the customer's funds. I was even told that they will hold for at least 60 days. I contacted them times. But it's really tough to deal with them. I feel it seems they don't want to help customer to solve the problem and their policy, if like what they explained to me, was designed to make customers mad and not to protect you instead.

We'd really want to stop working with them, but they still hold our funds. We can not even to get away easily from them.

Anything you do to help us ?

RegardsDesired Settlement: Release our funds ASAP, and raise the limit of our acc# they so called.

Otherwise, allow us to close our account without any condition.

Business

Response:

This merchant has 2 merchant numbers:

1.) [redacted]

2.) [redacted]

Each merchant account was approved to process $15,000.00 per month in credit card volume with an average ticket of $800.00 and a high ticket of $2000.00.

On merchant number: [redacted] - this merchant processed three sales on the same credit card for a total of $3638.00. This transaction was held by the risk department for verification because the merchant went well over their $2000.00 high ticket limit. The funds for this transaction have since been released back to the merchant.

On merchant number: [redacted] - this merchant processed a sale for $6570.00 that the risk department is currently asking for verification on because the merchant has processed over his high ticket of $2000.00 per ticket.

The merchant recently requested to have his limits raised but the increase was declined due to non supportive bank statements.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

they hold some new transactions of ours. We now stop using their service and to wait for the release.

As I said before, it seems the company doesn't want to help their customers to solve the problem even their CRS tried very hard to help me.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

When a merchant account is setup for any merchant with any processor - there are limits the account is approved to process so a processor can mitigate risk on the account. The limit an account is approved for is based on what the merchant originally asks to be approved to process, credit, and previous processing history. Merchants can then ask for an increase to their limits and their account can be re-reviewed. When this merchant was originally approved we explained to him that his account was approved to process $15,000 per month with a High Ticket of $2000 per ticket. Within a 4 day period in the beginning of March the merchant processed $7861.78 on the same credit card which is well above their high ticket limit of $2000. The risk department's automated system held the transactions for a review because the volume was well above their approved limits. As a courtesy we asked the Risk department to release the funds that were on hold for this series of transactions and the funds were released. We explained to the merchant that in the future they had to stay within their limits or they could apply for a limit increase to run larger transactions. The merchant applied for a limit increase but then withdrew the increase request. The last transaction the merchant processed was 3 times greater than their high ticket limit. The merchant needs to reapply for an increase if they want to continue to run these larger transactions.

Review: Ad says "No Contract", "No Cancelation Fee", "cancel anytime"Desired Settlement: Since telling [redacted] in May to cancel my account, the company has almost doubled the monthly service fees charged instead of closing the account as requested. They have NEVER provided any service to me, but the auto checking deduction was over $150 between June [redacted] and July [redacted] (29 days). I want the account closed. I want June and July refunded. I want the deductions from my checking account to stop.

Business

Response:

[redacted] - a customer service representative here at National Bankcard spoke with [redacted] on 5/**/2013 and 6/**/2013. She called [redacted] on both of these dates to inquire how his merchant account was. [redacted] did not mention to [redacted] on either of those phone calls that he wanted his merchant account closed. As a courtesy we have closed [redacted]'s account today and have issued him a check for the past 2 months of fees.

Review: Their salesman, [redacted], misrepresented himself in regard to the fees that were charged to our account. Accord to [redacted], on debit card transactions, we would only be charged $0.25 + $0.06 transaction fee unless it was a corporate card. Majority of the fees that we were assessed were considered nonqualified and charged a 3-4% rate. In addition, we were told that we would have a $25 monthly minimum. When we received the bill, the monthly minimum was met, and we were still assessed an additional fee.

Now we are having a problem terminating our account. We faxed and emailed in a letter on 7/**/14 stating to cancel our services immediately. [redacted], our [redacted], sent a follow up email. She stated that we could not cancel our account until the credit card terminal was returned and that it needed to be returned within 10 days and after receipt, they would send out an account closure form . According to our contract, we turn in the credit card terminal within 10 days of account termination. In addition, our contract does not state anywhere that a closure form needs to be filled out. Her email on 7/** contradicts our signed agreement. I sent her an email stating this. On 7/**/14, [redacted] sent an email containing the closure form. It also stated that we need to contact customer service to ensure receipt and make sure that they are canceling our account. Our contract does not state anywhere that this needs to be done. The original cancellation that I faxed and email in is sufficient, especially since [redacted] has acknowledged the receipt in writing.

We also want to let you know that we have shipped out the credit card terminal via Fedex on 7/**. [redacted] has received confirmation of this shipment, and will receive any updates pertaining to it. The tracking number is: [redacted] I also have copies of all written correspondence, and contracts between National Bankcard and us.Desired Settlement: Proper termination of our merchant services account.

Business

Response:

The following merchant account #: [redacted]. has been closed. All rates and fees are displayed on the application that the merchant signs. All rates and fees are disclosed to every merchant. We are not able to get a merchant account application approved unless the merchant signs the application. This merchant was presented with all rates and fees when they signed their paperwork. Also if the monthly minimum is satisfied the merchant is not charged any part of the monthly minimum. In the case of this merchant for the month of June, their processing fees came out to $20.35 which was short of the $25.00 monthly minimum by $4.65 so they were charged this difference of $4.65. Also anytime a merchant wants to close their merchant account we require that they sign a merchant account closure form to check to make sure that the signature from the original application matches the signature on the closure form. We do this for security purposes. A competitor could call in and ask to have a merchant's account closed - to protect against this we cross reference the signature on the closure form with the original application. This procedure is not stated on the application but it is part of the process. We do no have a cancellation fee or termination fee like many other processors, we just ask to have the closure form signed and faxed or scanned in which we think is reasonable.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

This is the first that I am hearing that the account has been closed. We want to ensure that they are honoring their costs. According to them, we only spend $20.35 in fees; however, according to our statement we spent $26.27. No where on the form did I see $20.35. Extremely well hidden if it is on there. As for fees charges, we were given false information by their salesman [redacted]. When you read the application, you only see one area for debit card fees; however, we were charge many different rates. I have a few emails, but you can also see in the attached email from [redacted] that she is not following what is written in the contract. Furthermore, no where does it state on the application that a form needed to be filled out in order to cancel services. We faxed and emailed a signed cancelation letter, which was acknowledged immediately by [redacted] and [redacted] (via telephone). What we think is reasonable is honesty, which National Bankcard has not shown.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Brett Sapowith

Business

Response:

MC OFLN DB: $7.39

VSOFLN DB: $0.83 + $12.13 = $12.96

-------------------------------------------

$7.39 + $12.96 = $20.35 which was short of the merchant's $25.00 monthly minimum by $4.65. This is why they were charged $4.65 for their monthly

minimum.

We are sending the merchant a check today for $62.98 to refund them for ALL charges from July as a courtesy. I attached their statement to this email.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: We cancelled our services Jan of 2013 with National Bankcard, filled all the paper work they needed and returned their machine. Last week we get a call from the bank that our Checking account has been overdrawn. Log into the online banking and see that Nation Bankcard had been charging us outrageous monthly charges. We called the company and they went back and had all out paperwork on file for cancelation and they said that someone just didnt finish the process. We where told we would be getting a refund and we requested they pay the bank charges as well. The day we called and they found the problem was 8/*/13 here it is a week later and we still haven't seen our money refunded or money to cover the bank charges. We emailed them this morning asking where out money was and their response was it will take 7-10 business days. They wrongfully withdrew from out account and the refund should have been done last week. Now they will not reply to emails so hopefully we see out money!Desired Settlement: We wanted refunded for all the months we didn't have the credit card machine and that rounds to about $600.00 plus the bank charges they caused us!

Business

Response:

$467.30 has been refunded to the merchant which comprise of all fees charged since January 2013.

Review: National Bankcard refused several request for a pin pad to be sent to us for debit card transactions. Rather they told us to process Debit Cards as credit transactions, saying that their system would recognize those transactions as debit and the low debit card fee's would be deducted from the transaction amount.

Low debit card transaction fee's were being deducted from the settlements deposited into our bank account.

What we didn't know or authorize is that National Bankcard has made the following UNAUTHORIZED withdrawals from our bank account.

National Bankcard claims that the withdrawals below were made because they were incorrectly procession all of our debit cards as non qualified credit card transactions.

National Bankcard claims that they cannot refund the monies that we were incorrectly charged because we did not catch their error earlier.

10/**/14 -$507.92

09/**/14 -$253.71

09/**/14 -$568.42

08/**/14 -$637.11

07/**/14 -$445.89

06/**/14 -$128.61

06/**/14 -$8.02Desired Settlement: We would like all of the unauthorized bank withdrawals listed above refunded.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: I signed up with National Bankcard merchant services in order to take credit cards payments for my new business. My account representative [redacted], assured me the monthly bill worst case scenario would be $25.00 minimum monthly charge (if my credit card fees did not amount to $25.00) and $7.95 for a monthly statement fee. After a month of having the card reader I called [redacted] back and told him I had not even opened the reader and I think a monthly fee of $32.95 would be wrong for my business. He asked me to give it another month and if I still did not use it, I could send it back to him. He refunded my initial month.

First week of November I called National Bankcard to terminate the merchant service. The person that answered the phone told me I would need to talk to my account representative. I left him a message that the card reader was still unopened and this was not working out for me. I did not hear anything back.

11/**/13 I called back and spoke to [redacted] who said “okay fine” and transferred back to another person (not sure why I had to talk to him in the first place).

Returned the un-opened card reader on 12/*/13 via Fed-Ex.

12/*/13 I got confirmation that my account was finally closed.

Statement dated 12/*/13 (I did not get until 12/**/13 I was out of town) was for $103.95. I was unsure why I was being billed so much. I was told there was no contract and that there would be no additional fees.

12/**/13 Bank account was charged Roam Data Inc. $6.95

12/**/13 Realized I was being billed $6.95 per month by Roam Data Inc. I was not aware this was National Bankcard related until 12/**/13 when I removed the card reader application from my phone and the name of the app was Roam.

12/**/13 I called National bankcard customer service to inquire about the bill and the charges that I was being billed after the account was closed and charges that I was unaware of. I spoke to [redacted] she explained the $69 was for the annual fee. I said I did not know anything about an annual fee. I had the reader less than three months and returned it unopened. I told her I was very displeased with all of the charges I was billing for that I was unaware of. She asked me to send her all the paperwork I had especially the charge agreement. She explained a supervisor would not return until the [redacted] but she wanted to have this ready for them when they came in. I told her I understood. I sent an email on 12/**/13 at 3:33pm, but forgot the attachment and resent it with the attachment at 6:44pm. I knew they would be closing soon, but I knew she would have it when she came back in.

1/*/14 Called back customer service and spoke with a gentleman explained the whole story again and he told me to hang on while he went to get [redacted]. He came back on the line and told me that [redacted] was walking into a meeting, but one of them would call me back.

1/**/14 Called customer service again and spoke with [redacted] who told me I needed to be speaking with the agent office and they could not issue refunds. I asked her why no one else had mentioned that before the prior two times I called. She transferred me to [redacted] in the Agent office. I told him the whole story and he said he was going to try to find [redacted]. I was about to ask him why when we got disconnected. I called back customer service who transferred me to the agent office to spea with [redacted]. She took everything down in a message and said someone would be calling me back. She kept apologizing for all of the issues I had. I told her I went with National Bankcard because they had a report from the Revdex.com, but after this experience I would tell everyone I could not to go with National Bankcard. She said she understood and was sorry for my experience.

It is now 1/**/14 and I still have yet to get anyone to even talk to me about refunding money.

Charges I was not explained:

$4.87 Roam Pay 9/**/13 and

$6.95 Roam Pay October-December

$2.00 per month for regulatory fees for November and December 2013

$69.00 for additional fees per statement, per customer service annual fee

Totaling: $98.72Desired Settlement: Had my issue been taken care of within a reasonable amount of time I would have just asked for the money back I was not made aware of. At this point, as a result of being ignored and empty promises of a resolution, I want a full refund all money paid for a service I never used. $164.62

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

I wanted to let the record show that National Bankcard contacted me by telephone on 1/**/13. They have sent me a full refund and said that part of the complaint should be on IPayment. That was the number I was calling on 12/**/13, 1/*/14 and 1/**/14 and was not getting any resolutions. I explained to National Bankcard if that is the case the welcome packet should not be littered with IPayments contact numbers for customer service and billing inquires. She said I should have been told about the two companies before I even got my welcome packet. She said she was going to address my issues with the sales person for his part on not disclosing all of the charges and not returning my phone call in November. I told her at National Bankcard, I would let the Revdex.com know about the conversation and the resolution. Thanks so much for your time. Feel free to contact me should you have any questions.

We appreciate your business,

Review: This company represented itself as a low cost credit card processing alternative. They said they wouldn't charge excessive fees and the actual processes for transactions would be easy and worry free. They since have stolen $1,800 from me with no intent in resolving this situation. Their argument was that my account was not set up "that way" Yet they had no problem taking the credit card transaction but instead kept the money. I called and was dropped on the phone with an alleged supervisor, who never has attempted to call me back. Instead they just figure they would keep the $1,800. I would please like for you to look into this and let me know what can be done. My contact originally was [redacted]. They charge me a monthly fee for their services and have not held up their side of the bargain.Desired Settlement: They need to pay me the money they received from a client from 2 c.card transactions they took and never credited my account associated with this processing machine.

Business

Response:

The Risk Department at iPayment held $1873.05 of the merchant funds after auditing their account. During the audit iPayment concluded that the merchant had used their merchant account for 'consulting'. Their merchant account was originally underwritten to provide 'Lodging at a Bed and Breakfast' not consulting. The risk department asked the merchant to issue a return because the products and services sold were different than what the account was originally underwritten to process. In the interim the merchant processed another transaction for over $800 that was also held along with the original transaction. On 8/**/2013 the $1873.05 was released back to the merchant and the merchant account with iPayment was closed.

Review: I asked for an email only quote from these people. I had to pull teeth to get it via email after they attempted at contacting me several times via phone. After a few emails from them, I told them due to their pushy sales nature that I was not interested and to stop contacting me. My official cease and desist to them via email was on 8/**/2015. Today 10/*/2015 I received yet another sales related email from Christian [redacted] the same sales person that I've dealt with from the beginning. I will also be proceeding with harassment charges on them as well as possible federal charges regarding spam emails.Desired Settlement: No further contact from business and business prosecuted as far as I possibly can for harassment and/or violation of federal law regarding spam.

Business

Response:

This merchant has been removed from our system and will not be emailed or contacted again. We have spoken to the representative that emailed the merchant. This will not happen again and we apologize for any inconvenience.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved. If I am contacted again, I will take further legal action against the company.

Sincerely,

Review: I processed a $950.00 credit card purchase thru national bankcard. A customer purchased 3 laptops from my store and I processed his credit card payment through national bankcard. The $950.00 never showed up in my bank account. After contacting them, they said I needed to furnish them with tracking numbers for the items sold so they could track them. They said they would release my money when the items were delivered. I shipped the items fedex and forwarded the tracking numbers to national bankcard.] I tracked the numbers and when they showed delivered I contacted national bankcard to see why my money was not released. They stated I had sent them false tracking numbers and that they cancelled my account and would not release my money to me for up to 1 year. I asked them to please check the tracking numbers again, they had made a mistake. I had emailed them a scan of the actual fedex receipt when I shipped the laptops. They refused to recheck the tracking numbers and said I had no recourse. When trying to contact them they shuffle me around to voice mails and different people who never return my calls. The 3 laptops were delivered on schedule as promised the customer. Simply checking the fedex tracking numbers will show this. Contacting the customer would resolve this. They refused to call the customer. I am a small business and can not go without $950.00 for 1 year for no reason.Desired Settlement: Check the tracking numbers. Release my $950.00 to me without extra charges or penalties. I fulfilled my end of the transaction on time and furnished them with everything they ask from me.

Consumer

Response:

[redacted]:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

From: [redacted] Sent: Monday, July 08, 2013 1:33 PM

To: Complaints

Subject: Re: Your complaint has been received

Thank you for your help.

The matter has been resolved.

After the company received the complaint from you they released my money to me.

Thank you