As many others have complained about the PCI compliance fee being shoved down their throat I want to expose what NAB has done to me. The fact that they charge you this fee and act as if they are performing a service with Mcafee who is also in on this is uphalling "signup without knowing it" crap. I'm hoping this is illegal and am considering consulting a lawyer for initiating a class action lawsuit. I didn't get any Mcaffee assessment or anything that they promise to make me PCI compliant . Its basically a "we charge you for not doing anything" approach . You basically sign up for this automatically by not filling out a pci compliance form." I still had no problem with this except that they charge you the fee and don't do anything for you. Its not a penalty that your are not PCI compliant. Its a "we work with a certified provider to make sure your pci compliant". Mcafee wouldn't even know where to begin checking our systems as we do not use swipe machines and are internet transaction based. READ other's who have had similar problems communicating with these two companies about how all this works. Causing confusion and quoting sections of there intial agreements is all you hear with there customer service. They hire customer service reps that sound more like lawyers and are drones.

The main point I have is there customer service telling you that if you want to cancel the PCI service (which is billed for the YEAR AHEAD). They tell you that you can but that your account must be closed by a certain date to get the refund for PCI Compliance (which is for a YEAR ahead, not prorated amounts here). Basically in my situation I was told that if my account was cancelled by April 30 that I would get the "YEAR AHEAD" PCI compliance fee returned. At no point did the rep tell me how long to wait for account cancellation. Why not 5 days, 10 days. The cancellation was not in my hands it was in their hands which makes it sooo convenient to cancel you for the "YEAR AHEAD" service after there deadlines. I cancelled and based on my previous experience, where you get put on hold till you quit, I predicted the scam would happen. I knew that they wouldn't cancel my account by April 30th and tell me that they wouldn't refund me cause it was too late (again this is for a YEAR ahead charge).

Now its May 3rd wallah there scam materializes. They put me on hold for a looonnnggg time (their approach to getting you to give up your money). The reps says your account wasn't cancelled by April 30th so I apologize we can not give you a refund. I told them how come you couldn't cancel it earlier (no answer ever to that question). I start yelling cursing screaming. I never ever did this on a phone in my life I promise you. I told the rep he should be ashamed of himself for working with a dishonest company. This company is so dishonest. For years I dealt with cryptic fees that are not added up for you automatically. I ended up paying up to 6% (transaction fees, extremely high percents for cash back cards, statement fees...) of what I charged my customers with all fees including statement fees (charging $2000/mo). They show you 2.x% or 3.x% percent but they put them with other fees in different sections making you think that they are repeating certain information. When in fact you have to be a banking industry professional to know how to sum everything up... They don't give you a "here's your total amount taken out" approach that other fine credit card processing companies such as Google Checkout and Paypal. I have automated our systems to bill our customers with paypal and google and I am happier than ever to get out of this terrible relationship that is like an abused spouse relationship. My grammar here is so bad. Its purely because I'm so flustered and want to write about this horrible company called North American Bankcard so fast. I never ever wrote a single bad review for any company except this one because usually its not this corrupt and I don't have the time running my company. LEGAL FRAUD. If you don't believe me or if you believe those other "positive reviews" keep googling this company and find out why so many customers are writing similar things. I guarantee you that companies like this are the players that produced the financial crisis. They work on the basis of you not paying attention. I don't have hours and hour to check on things I didn't explicitly sign up for. They should make it law that accounts are suspended if new rules need to apply and you don't approve the changes. But charging people automatically for services that are not performed is going to be the downfall of our GREAT AMERICAN ECONOMY. I am seeing practices like this and I coin them "LEGAL FRAUD". These people don't realize how much I didn't bill with them after I moved out ($8000/mo) and ever growing. Don't be fooled by the calm and well trained customer service staff that will NEVER give you a penny or what you want. I promise you I'm no penny pincher and that the $99 I lost with them felt like $10000.

If anyone else has similar problems. I want to take this to my lawyer (class action). Post on this website and if I get enough experiences I want to take these guys out in a court room. All for $99. Again excuse the bad writing.