I just became a customer 2months ago. I have had problems with my credit in the past. Legacy visa gave me the opportunity to have credit again. This april I am going on vacation, with my boys which I just got back.
I called up Legacy Visa and asked if I could send extra money to them so I could use my card. They never told me if I send 1200.00 and my credit is 250.00 I could only use incremnts of 250.00. I found that out when I tried using the monies I sent.
I in turn called Legacy back and got them to issue me a check. I thought that was that. Not even close. I had also sent after that 624.00 in 2 money orders and said to myself this money I will use later on. Now I understood about the 250 increments so I was ok with that.
I now had 250.00 begining credit and 624.00 extra which I could use 250 increments. That was that. Not so. I tried using my 250.00 credit to buy my plane ticket and the card was denied.
When I called up I spoke to two lovely ladies who did not understand why they put a hold on my card. Well then I spoke to a manager called Mike rep id 628 who refused to give me his last name COMPANY POLICY. He said because there were so many transactions the company froze my card. WHAT?!!!
I thought this is a scam for sure not only does it not make any sense but the customer service people also said the same. My thing is I have had many cards like legacy visa and never once did any one of them tell me you sent to much money and we had to freeze your account.
Why say you can help someone establish credit when you really are just making it worse for that person. Also Rep Id 628 Mike told me if I could go to the P.O. And have them issue me a piece of paper proving these Money Orders were issued for Legacy Visa. Then he could release my credit with in 24hrs. AGAIN WHAT?!!!
Money orders are cash and the MO itself is proof. Now I ask you does it make sense to you that a company so big who carries the name Visa on it behave this way and make your life more miserable. I do not deserve my card to be held when I have the credit and the extra monies there.
If I owed or was trying to scam Legacy I would understand. It is my money and you have no right or excuse to freeze my card. I urge anyone who is thinking of getting a new start to never go with this company.
Cruz maria
Monroe, North Carolina
U.S.A.
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