BankCard USA Review

I just checked my bank account and i have several charges from this company showing as BANKCARD MTOT DISC CCD. I contacted them because i wanted to know who they are and who they stand for. The lady said they could not find me in their system, she checked my name, business name, business phone and my cellphone..could not pull me up at all. The sad thing is i haven’t made any credit card swipes in months. The lady told me to call back tomorrow and maybe they can assist me better. The sad thing is this is my personal account and i do not have any credit card machine attached to it. Anyway, i went down a few statements and to my surprise i have 3 charges from them starting in 10/02/19 for $22.00, again on 11/4/19 for $31.95, then today 12/02/19 for $130.95. Somebody needs to do something about these people. I have never heard of them until now.

Bank Card USA Withdrew $150 (give or take a few dollars) for a settlement that never happened. I made one credit card transaction for $60.00 on 2/27/19 and the next day they pulled out $150, followed by another $33.04 on March 4th 2019 for the monthly fees. Im writing letters to Wells Fargo, BBB, The State Attorney General, The FTC and many more places as we speak. Bank Card USA had the nerve to tell me that it was not them that withdrew from my account even though I have 9 months of statements showing them withdrawing under the same discreption (BKCD PROCESSING SETTLEMENT CCD and BANKCARD MTOT DISC CCD)

This post will help: How to Report Bad Credit Card Processors

-Phillip

We are a food flavoring company and for some reason they treat us like a tobacco company. They tried to charge us bogus fees and we have had to report them to Master Card for this. I highly recommend staying away from this company. VERY SHADY.

From The Editor
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The company is a joke. Signed us up for an account and month later closed the account and is now holding over $2500 worth of deposits. Angela in the risk department never answers calls or replies to emails. Sales reps are very good at convincing you that they do everything different from all the other merchants but BankCard USA is horrible once you have an account and actually need help.

I used BankCard USA for three years. First, I was a new business start up, so I received a ton of offers for CC companies. I called about 4 or 5 of those companies. When I spoke with BCUSA, the sales rep did exactly as the above description in this article declares: they misled me on their fees (percentages of fees/use). Second, I was told that BCUSA percentages were between 5% to 10%. Without exception I was charged between 23% to 25% in fees every year. I was also charged if a customer had a points reward system on their CC – BCUSA never disclosed these fees would also be charged, unless it was buried in their 80 pages contract somewhere – which it may have been and I just overlooked it. However, they did advertise and promise a rate of 0.23% because I was a new business, along with a FREE CREDIT CARD TERMINAL – which is how they listed it – in all caps. I never received my wonderful low rate of 0.23%, nor did I receive my free terminal.

I do not recommend this company at all! BE WARNED, they will find a way to gouge you. If you are a new business start up, try your best to avoid BCUSA if at all possible make them your last ditch effort to obtain a CC processing company. Take Paypal only, in the beginning, if you must. I’m no longer in business, they are partly to blame!

What a terrible terrible company. The whole time, with a card reader, I was charged for “no card present”. After months of “We will give you the best rate” I finally reached out to a third party and realized how much money Bankcard was taking from me. UNREAL!!!
I was told ” No contract” When I emailed a cancellation notice the company never replied. One year later, after they kept charging me, they said I had to send a signed form in to them to cancel. They never told me I had to do it and said I am owed zero money as refund. Somehow I let my company get screwed be the same company every month for about 2.5 years. RUN RUN RUN.

Please I repeat please stay away from Bank Card USA – I wish I had did my research before I trusted this company with my business. They almost destroyed my business. – They have stolen over $2,500 from me. I opened my account with them March of this year and here it is August and they still have not realased my money. They are liars and deceitful. I am disgusted and cannot understand how these money hungry sum bags are still in business. I am warning you please do not trust your business to these people.

The costumer service sucks, every time I call them seem like they are having a bad day. Technical support if is a women in the line for get it, they hung the call, with no helping me, so I need to call several times until a guy (men) help me, a few times I went out off service in my retail store per 1-2 hrs.

This company is full of crap. They are in California which means for me being in Georgia it makes it very difficult to get anyone on the phone. Ryan in there risk department is one of the rudest CSR ever. They will hold your money without so much as an email as to why. When they do get you through to Ryan he gives very indirect answers and no reason for the hold up but his personal feelings. PLEASE STAY AWAY! I only ended up with this company through a mistake from my processing company Shopkeep. You can’t do any research on these people because they seem to be new. They hold your money in any account that gets interest for them so they continually make money off of you but can’t return a phone call.BEWARE OF BANKCARD USA AND THEIR RISK MANGER RYAN KUEHI. They have $700 of my money with no word on it being released. Left three messages for Todd Duplain with no return call in a week sine he is the person who opened this account incorrectly from what his manager says

I am beyond dissatisfied with Bank Card USA. The customer service has been terrible and it is extremely difficult to get a hold of the SUPERVISOR! He input my account number incorrectly and now ALL of my funds have been transferred and deposit into the WRONG account! It has been 2 weeks now that I have been out of all of the money I have made from work. I am a single mother with overdraft fees and bounced checks all because the supervisor input my account number incorrectly! How terrifying is that. I have called him at 5 times this week alone and called customer service 3 times. How is that okay? And no one can give me answers and just give me false promises. This is my livelihood, this is NOT joke and should not be taken lightly as it has been. I work in a salon with a group of girls and were planning to switch to another Merchant, this whole situation has been very eye opening.