I have been a card carrying member with this credit card company for the last 6-7 months. I would like everyone to know what kind of a company this is. DO NOT get this credit card. Their staff is very rude, and disrespectful. I had approved to have a payment taken out of my checking account on the 18th of Nov. I then realized that i had messed up in my checking account and was also starting a new job, so I called the customer service to let them know not to take the money out of my account due to the fact that i didnt have it. I was told thanks for calling. Everyone was very curteous.
End of problem? NO!
I then find out that on the 18th they did indeed take the money out of my account which bounced, and drew my account negative. I also had my car payment, my rent, and grocery checks to go through. So in turn all checks bounced. Ended up drawing my checking account almost 300 dollars negative. I called the cc company and explained what was going on and wanted to know what was going to be done about it. I was told that I needed to call my bank and have them reverse the charge. I then called my bank and they told me it couldnt be done that way. I in turn called the cc company again and ended up talking to Rich a supervisor. Very nice.
I was reassured that I needed to go to my bank to fill out a form for an unauthorized charge on my account, and that it would be credited immediately to my account. I was also told that my overdraft fees would be reimbursed by check, by mail. I went to my bank filled out all the nessecary paperwork faxed a copy of my statement showing my overdrafts. This was all done the day before Thanksgiving. I was told that my check would be mailed out the following Thursday.
I recieved a phone call about a week later, asking when i was going to make a payment. I explained what had happened, and let the rep know that i wasnt sure when i would be able to make a payment until i recieved the check. She was very appoligetic the whole time and continued to appoligze many many times.
About 3-4 days later i recieved another call. A rep named Val was the one who called. This was the worst rep I had ever spoken to in my life. I was told that I had no idea what i was talking about, that i had never made the payment because they never got any money, that i had stopped payment on the transaction before it could go through, and that when the presented the transaction to my bank that it was denied.
I then went to my filing cabinet to get my bank statement, and overdraft notices. I tried explaining what had happened, and she would hear none of it. She refused to let me talk, she became very beligerant with me, i asked to talk to a supervisor, and was refused, i asked to speak with someone that was going to treat me with respect, and was refused. I then tried to explain again only to be cut off many times.
When I told Val that i had the overdraft notice in my hand and bank statement that proved that the money had been taken out of my account she told me that i didnt know how to read. I was then told that she knew what she was talking about because she had been in the banking business for over 20 years. I in turn told her that my mother has been in the business for 40 years. I was then told that i was dumb because i didnt know how to read.
I was finally told her name, and I hung up on her. I then called the cc company back and explained what had happened and was put on hold for a min or 2 and then transfered to a supervisor. I ended up talking to the same supervisor who had told me to go to my bank and fill out the papers Rich. I explained what had happened, and was reassured that it would be handled immediately after getting off the phone with me. I was also told that my check had been mailed the day before. That was last friday.
Today it is now going on thursday, a week later. Still no check. I tried calling yesterday to find out what was going on and was told that the manager was busy and couldnt talk at the time and that i would be called back. Never happened. I want to know what is going on, and where my check is. I had to cover the overdraft fees that were incurred because of this company, and yet i am still hounded by calls asking when i am going to make a payment. Do not get this card.
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