The American Non Profit Merchant Union
| The American Merchant Union was
developed to protect both consumers and card holders as well as
merchants the companies accepting the consumers credit cards.
The American Merchant Union is much like the Better Business
Bureau only the American Merchant Union also protects the
American Business as well as the consumer. Membership is
absolutely FREE for both consumers and Merchants. This is a Non
Profit Organization that is committed to protecting Americas
Consumer as well as Americas Business. One of our goals is to
have a
impact on the way the credit card companies treat the average
American Merchant (business). The American Merchant Union has seen
many times where simply because a customer calls their credit card
company stating that they want there money back, even a year after
their purchase, and without even returning the product they
purchased, the credit card companies issue a full refund and the
Merchants Account is debuted the very next day for the refund,
leaving the Merchant with very little recourse. Please
understand the American Merchant Union supports the ability for
consumers to request charge backs. It is the circumstances that
many of them are filled under that is a concern as many small
American business have been bankrupted by the current policies
chargeback's are being processed under. |
| Yet the credit card companies
continue to operate under there current policies and do issue
refunds just that easy and that quickly. If you are the
merchant, (the company the customer bought from) then the money
is removed right out of your account without notice. Again, that
quick, that easy. Now in many cases, if you the merchant, and
want to contest the charge back; the credit card companies
are now charging you, the merchant, a huge fee of up to $500.
dollar’s or more just to contest or present their side of the
story. |
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Fact: in some cases the credit card
companies just facilitated fraud, allowing the customer to steal
from you. Help give us the strength we need to fight back by
joining the Non Profit American Merchants Union and show that we
are not the only ones that believe that the credit card
companies" policies toward the average American merchant are out
of hand. There is never any charge for becoming and remaining a
member. of the American Merchants Union. We are a Non Profit
Organization. This organization is not about making money, it is
about protecting the American Dream (The Small Business) and the
people that run small businesses. We need to be able to push
back. When you join the American Merchant Union, you will
receive a wall certificate and a "Letter Of Notice" notifying
your credit card company that you are a proud member of the
American Merchant Union. We have found, that just by your credit
card company learning you are a member, that they are less
likely to treat you as if you have no rights.
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The Credit Card Companies Visa,
Master Card, Discover and American Express have become
larger than the US Government itself. They Write their own
policies and follow their own laws charging as much as 35%
interest or more to the consumer. If any other organization
were to charge over 12% they would be criminally prosecuted
and arrested for racketing.
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Credit Card Companies Currently Have All The Power.
The power to freeze all of your recent merchant activity and more.
For example, your company grosses $50,000 in sales for one week. You
then discover that your credit card company or merchant company did
not deposit any of these funds into your account; instead they have
chosen to hold or freeze these funds for a minimum of six months.
Well, here is the trick, there could be several reasons they
have chosen to do this. However, they don't have to have any reason at
all. They can simply say that they feel something is going on with
your company. For example, you decide to cut back on your advertising
and your overall sales go down slightly; Your merchant company has
the power to simply take these funds hold them for a minimum of six
months and say it is because they are concerned your company is in
trouble, because your sales went down. Now if your company wasn't in
trouble it is now.! You now have $50,000. in orders you have to fill
and you do not have the money to fill them. Oh, by the way, the credit
card companies will not return these funds to
the customer either. That's right they did not give you the funds
and they refuse to give it back to the customer or card holders. Now
you are expected to fill these orders regardless. What happens if
you do not have the $50,000. to cover these sales? The customer
feels you have taken their money, although you never actually
received it
because the credit card company took it and again they will not give
it back to the customer. So what happens now. A lot of damage to
your company's image, your personal reputation, in addition to the
damage, to morale of your company employees. Hard to believe I know,
however, thousands and thousands of American companies have been put
out of business from this action by the credit card companies. The
American Merchant Union was just founded in 2011 however, we were
able to confirm that over the past twelve months there has been over
54,000. companies put out of business from the direct actions of the
credit card companies.
| It gets even worse, much worse. What if your
company carried an average bank balance of say $250,000.00?. And
one morning you woke up to find out not only did the credit card
company freeze the $50,000., in gross sales for that week, in
addition they also went into your business account and withdrew
every penny, that’s right you have a zero bank balance! If you
had any check pending, even payroll checks, they are going to
bounce. I know your thinking they can not do that.. (You're
wrong. They Can, They Have and They Do.) |
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Now, not only do you have to somehow come up with the $50,000.
to fulfill the orders from the prior weeks' sales, in addition
you have now have no way to pay your employees or suppliers. It
gets even worse, when those customers do not get the product you
charged their credit card for (and remember the credit card
companies refuse to refund the customers their money) You can be
criminally prosecuted. The circumstances I have described above
has happened time and time again to American business owners,
putting thousands of businesses "OUT OF BUSINESS". By the way,
when the credit card company took all the gross sales and go
into your bank account and take out all of the money, they have
the right to hold it for a minimum of six months without paying
you any interest or fees and if one of your previous customers
processes a chargeback (say one that did not get their product
because the credit card company took the money) then the credit
card company gets to start the six month hold all over again
from that date forward potentially allowing them to hold the
money interest free for years. Meanwhile you and your business
have been destroyed. Hard to believe this could happen, however,
it is happening every single day to American Businesses. Becoming a member of the American Merchant Union
is free. There is no charge for becoming a AMU member, however
the American Merchant Union is a non profit organization that
was just founded in 2011. Therefore we are asking for donations
of $9. Again this donation is not required as your membership is
free. Yet we sure could use your support. Donating members will
receive a framed wall certificate so they may proudly display
their certificate of membership as well as our dos and don'ts
booklet on how to defend your company.
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The American Merchant Union does not accept any donations larger
then what is offered above as our cause is not about making money,
it is about protecting the small American business as well as the
men & women that run these companies.
By
becoming apart of the American Merchant Union you are doing five
things:
1) Helping To Protect The Average American Small Business.
2) Empowering and protecting your own business.
3) Automatically receiving assistance in the event your business is
attacked.
4) Receive guidance and even assistance in responding to
chargeback's.
5) Receive advise on the best steps to protect yourself and your
business from an attack
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