BBB Business Review

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This business is not BBB accredited.

National Bankcard Monitor, LLC

Additional Locations

835 W. Warner Rd. #101-454, Gilbert, AZ 85233 ! There is an alert on National Bankcard Monitor, LLC !

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On 2/18/2013, National Bankcard Monitor indicated to the BBB by email that it is no longer in business and has dissolved the company. As of 6/10/2013, information in BBB files indicates National Bankcard Monitor continues to operate and is not out of business.  For consumers that have complaints, in addition to calling their credit card company or payment method used for NBCM transactions and filing a complaint with the BBB, they can contact the FTC at  877-FTC-HELP.

BBB Accreditation

This business is not BBB accredited.

Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.

Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that lowered the rating for National Bankcard Monitor, LLC include:

  • Failure to respond to 23 complaint(s) filed against business
  • 3 complaint(s) filed against business that were not resolved

Factors that raised the rating for National Bankcard Monitor, LLC include:

  • Length of time business has been operating
  • Complaint volume filed with BBB for business of this size

Customer Complaints Summary Read complaint details

64 complaints closed with BBB in last 3 years | 0 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 24
Billing/Collection Issues 3
Delivery Issues 5
Guarantee/Warranty Issues 3
Problems with Product/Service 29
Total Closed Complaints 64

Additional Complaint Information

A number of consumers have reported to BBB that National Bankcard Monitor (“NBCM”) offers to consolidate and/or obtain lower interest rates on consumers’ credit cards in exchange for an upfront fee ranging from $798 to $1995. Consumers allege that NBCM promises to lower the interest rates on their credit cards by up to 50% and save them thousands of dollars. NBCM has informed BBB that it does not negotiate debts or charge consumers for “balance transfer services,” nor does it change any of the terms of a consumers’ credit card agreement; rather,it provides a "debt analysis" or a "debt elimination program guide" that advises the consumer how to pay their debts off faster. Some consumers allege long delays in receiving the debt analysis packet or say they do not receive the packet at all. Many consumers report confusion about the program and say that when they attempt to reach NBCM for an explanation, they are not satisfied with the response. Some consumers report that when they have attempted to obtain a refund from NBCM, they either have experienced difficulty reaching the company, are told they will not receive a refund, or are promised a refund but never receive one. NBCM has responded to a number of complaints filed with BBB by issuing full refunds. As of 2/18/2013 NBCM has failed to respond to complaints and has indicated to BBB that it is out of business.  As of 6/10/2013 information in BBB files indicates NBCM is still conducting business and the company continues to contact consumers and charge fees for services.

Customer Reviews Summary Read customer reviews

3 Customer Reviews on National Bankcard Monitor, LLC
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 3
Total Customer Reviews 3

Additional Information

BBB file opened: April 22, 2010 Business started: 12/09/2009 in AZ Business incorporated 03/12/2010 in AZ
Type of Entity

Limited Liability Company (LLC)

Business Management
Mr. Gino Niccoli, CEO Mr. Terry Duff, Manager
Contact Information
Principal: Mr. Gino Niccoli, CEO
Related Businesses
ELH Consulting
Business Category

Debt Repayment Plan

Alternate Business Names
Federal Interest Savings Financial Interest Strategies, LLC National Bank Manager NBM NBM Savings
Industry Tips
Credit Repair Debt Consolidation/Bill Paying Services Debt Relief Services

Customer Review Rating plus BBB Rating Summary

National Bankcard Monitor, LLC has received 1 out of 5 stars based on 3 Customer Reviews and a BBB Rating of F.

BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.