I had a one year agreement, or so I thought, with North American Bancard. I terminated my account with them after 23 months. I had my bank account debited for $300.00 for an early termination fee. When I called them they told me I had a three year agreement and could not find the addendum to the contract that indicated I had a one year contract.

I called nimerous times, submitted copies of the paperwork I had, including the addendum, and was told it was no good because their signatured were not on the addendum. Everything was set up by FAX, so there were no signatures on any of my copies. They refused to discuss the complaint any further.

I know what happened. To get my business, the sales agent, Kevin Briscoe, told me there was a one year agreement (I would not agree to a three year agreement), sent me the one year addendum, and trashed it when I signed and returned it.

North American Bancard is run a SCAM when setting up new accounts.