I was a former customer of Bankcard USA until they closed my account due to what they called "supiscous activity". I had been processing many transactions through them and never had ONE chargeback. NEVER! When I first signed up I really had no idea how much of my business would be done through credit card purchases, being that I am in the moving business and just opened up the company.
So I told them a few thousand a month. It turned out to be more than that so I spoke with them and they told me that going over on my account was fine and if there were any problems then I would need to fax over proof of valid transactions. I said no problem at all, being that all my sales and charges were completely legitimate.
A few days ago when I was moving into my new building, business is booming, they left me a message saying they were closing my account because of a charge of $7,000 and that they would be holding it for 180 days. This customer's move was over $10,000 and he could only pay partly in cash. I had no choice but to accept his credit card as partial payment. I then proceeded to call Bankcard USA to no avail. NOT ONE PERSON WOULD RETURN MY CALL!
This was absolutely insane. They were holding $7,000 of my money and they wouldnt even call me back. I left messages for Jeannie in risk management, Scott and Jason Hardy who are brothers and one of them is the general manager. Ironically both brothers just ignored my numerous messages, criminal behavior runs in the family I guess.
They run this company like Guantanamo Bay, your'e guilty and they don't care about the truth. They dont even want to give you a chance to rebut the charges. After about 20 calls I finally got through to Jeannie and told her I can prove that this is a legitimate transaction and can even have the customer contact them if they like. Her answer was the same bs company line. "We just dont feel comfortable with this high risk transaction and we are going to hold your money for 180 days, no matter what"!
I am seeking to form a class action lawsuit against this type of immoral and illegal behavior. I am absolutely positive that this company has ripped off many others out there. Please contact me and perhaps we can make them realize that is not Nazi Germany. It is America and we have rights.
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