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BBB Accredited Business since
National Bankcard Systems Inc
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A BBB Accredited Business since
BBB has determined that National Bankcard Systems Inc meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.
BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.
Reason for Rating
BBB rating is based on 13 factors. Get the details about the factors considered.
Factors that raised the rating for National Bankcard Systems Inc include:
- Length of time business has been operating
- Complaint volume filed with BBB for business of this size
- Response to 2 complaint(s) filed against business
- Resolution of complaint(s) filed against business
Customer Complaints Summary Read complaint details
|Complaint Type||Total Closed Complaints|
|Problems with Product/Service||0|
|Total Closed Complaints||2|
Customer Reviews Summary Read customer reviews
|Customer Experience||Total Customer Reviews|
|Total Customer Reviews||0|
Type of Entity
Business ManagementMr. Joe Brannon Mr. Peter Estep, President
Credit Card Processing Service Credit Card - Merchant Services
5725 W Highway 290 Ste 105
Austin, TX 78735 (800) 550-7892 (888) 898-8416 (512) 494-9200 Directions
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Additional Phone Numbers
- (800) 550-7892(Phone)
- (888) 898-8416(Phone)
- (512) 494-9204 (Fax)
Complaint Trends - Last 3 Years
Customer Review Trends
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
Star Rating scale
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.
Read Complaint Details
Complaint: When I ended my services with National Bank Card Services 50 months ago they were called National Bankcard services, now they are called the "Merchant Store." Their toll free number is ###-###-#### or ###-###-#### Their address is **** ** *** *** ***** *** ******* ** ***** Their web address is **************** This quoted passage below comes directly form their website. They claim to be honest, but they took $14.75 from me for 50 months. By law they only had to refund me for 3 months, which they did, but honest is not stealing 47 months worth of money from for no service in return. Recently I had a similar situation with Amazon in which both my husband and I had signed up for Amazon Prime. It took me 2 years to figure out we were being doubled charged, but it was no problem with Amazon, as they have amazing customer service and refunded me for the last 2 years for services not rendered. Sometimes morality and what is right and fair rises above what the law makers have to say. "The Merchant Store is a full-service merchant service provider. We specialize in all types of electronic transaction processing including credit and debit cards, electronic checks, gift and loyalty cards, and more. Our core focus is providing honest services, reasonable prices, and the best support anywhere." IF THE MERCHANT STORE DOES NOT REFUND ME FOR THE ADDITIONAL 47 MONTHS OF SERVICES NOT RENDERED AND $693.25 OF STOELN MONEY I WILL GIVE THEM HORRIBLE REVIEWS ON ANY SITE I CAN FIND REGARDING MERCHANT SERVICES. Thanks, ***** ###-###-#### CELL ********* ***** ***** **** ******* *** ***** *** ********** ** ****###-###-#### ***************************
Desired Settlement: I would like my money back for services not rendered. They stole money from me for 50 months and by law only had to refund me for 3 months. Terrible law. They have refunded me for the 3 months they have to by law, which is admitting they were in the wrong and now they are hiding behind a bad law to keep 47 months worth of revenue that they did nothing to earn. 14.75 X 47 months is $693.25. I want a refund please!
We have looked into this complaint, and our findings are below. This complaint has been updated by the BBB to the correct business name as The Merchant Store is contracted to handle phone support for National Bankcard Systems customers. The Merchant Store has not been charging this customer nor do they have any direct control over charges that originate from National Bankcard Systems.
From: ***** ****** [mailto:***********@**********
I am writing in response to National Bank Card Services/Merchant store in regard to their response to me about stealing my money without permission for the last several months.
I agree that I should have noticed that they were stealing my money, but honestly I ended my contract in good faith that charges to my account would end. This is how things work in an honest world.
I was never told that I needed to request to close my 'benefits account" in addition to ending my merchant services with this company. It was never brought to my attention, hence the reason I had no reason to believe they were still taking my money. As I mentioned in my original complaint I saw the charges but thought they were connected one of my other merchant service accounts.
For the record I was never told about a "benefits account" and I have no idea how it affected me other than serving as an excuse to steal my money.
Ideally I would get all the money this company stole from me, but if they refund me 27 months that would noted in the online reviews I give to the company.
If they are willing to refund me 27 months why have they not done so already? It should have been an instant refund in my opinion and it should include all 44 months. The total stolen from my business account was 47 months at $14.75 per month. The company did refund me for 3 months, bringing the total of stolen money down to 44 months and $649.
Read Complaint Details
Complaint: The company has processed unauthorized ACH debits against my bank account over the course of several years. They have indicated error on their behalf and promised to return the funds via a ACH credit. They have not been forcomming in returning the funds. (74) ACH debits at $ 14.00 each
Desired Settlement: ACH credit that has been promised and is due amount $ 1036.00 encompasing (74) deductions at $ 14.00 each
After looking into the complaint it looks like we agreed with him originally and agreed to do a full refund. We have since attempted to refund his bank account twice and both attempts were rejected by his bank. I have attached record of both attempts here.
In order to make sure we don't run into issue again, we have decided to send a check for the full refund amount.