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REWARDS 660 VISA Complaint - HORRIBLE CUSTOMER SERVICE - CREDIT CARD
CREDIT CARD - Complaint
ARKANSAS -- THIS IS GOING TO BE LONG, BUT PLEASE READ IT ENTIRELY.
I RECENTLY APPLIED FOR AND RECEIVED A VISA CREDIT CARD FROM REWARDS 660. I HAVE HAD SOME CREDIT PROBLEMS AND AM NOW TRYING TO REBUILD MY SCORE. AFTER RECEIVING THE $300.00 CREDIT LIMIT CARD WITH ONLY $50.00 AVAILABLE BECAUSE OF THE HIGH FEES AND CHARGES, I DECIDED TO PAY THE $250.00 PAYMENT AT ONCE SO I COULD HAVE A LITTLE MORE TO WORK WITH. I MADE THE PAYMENT BY CHECK. ONCE THE CHECK HAD CLEARED MY BANK, I CALLED TO ACTIVTATE THE CARD. AFTER HAVING TO ANSWER SEVERAL QUESTIONS ABOUT MY IDENTITY, I WAS TOLD THAT IN ADDITION TO THE HIGH INTEREST RATE, THAT I WOULD ALSO BE RESPONSIBLE FOR PAYING AND EXTRA $10.00 PER MONTH JUST FOR USE OF THE CARD. WHEN I ASKED WHY, THE CUSTOMER SERVICE REP COULD NOT DEFINITIVELY ANSWER. I THEN DECIDED THAT I DID NOT WANT TO USE THIS CARD OR COMPANY AND PRIOR TO COMPLETING THE ACTIVATION, CANCELLED IT. I VERIFIED THAT THEY HAD RECEIVED MY $250.00 PAYMENT AND ASKED FOR THE MONEY TO BE RETURNED. I WAS TOLD THAT IT WOULD TAKE AT LEAST 30 DAYS FOR THE REFUND TO BE ISSUED, BUT THAT I COULD CUT THE TIME IN HALF BY FAXING A COPY OF MY BANK STATEMENT SHOWING THAT MY CHECK HAD CLEARED. SO, I DID THAT. AFTER 2 WEEKS, NO REFUND. I CALLED AGAIN AND WAS TOLD THAT THE FONT ON THE BANK STATEMENT LOOKED TO HAVE BEEN CHANGED AND THAT THEY COULD NOT VERIFY IF THE CHECK HAD IN FACT CLEARED AND THAT THEY HAD TO BE INSURED THAT THEY WERE GOING TO GET PAID. KEEP IN MIND THAT I NEVER EVEN ACTIVATED THIS CARD. I BECAME ENRAGED AND ASKED FOR A MANAGER; WAS ON HOLD FOR A LENGTHY PERIOD AND FINALLY A PERSON WHO SAID THAT THEY WERE A MANAGER CAME ON THE LINE AND REPEATED THE WHOLE CHANGING OF THE FONT STORY AND SUGGESTED THAT THE ONLY WAY TO PROVE THAT THE CHECK HAD BEEN CLEARED WAS TO CALL MY BANK AND HAVE THEM VERIFY IT. I TOLD HIM TO GO AHEAD. OK, THE BANK VERIFIED THAT THE CHECK HAD CLEARED 3 WEEKS PRIOR, JUST AS MY STATEMENT INDICATED. I ASKED THIS PERSON WAS HE MAILING MY REFUND ON THIS DAY. I WAS TOLD THAT IT WOULD TAKE AN ADDITIONAL 7-10 DAYS. I HAVE NOT RECEIVED MY REFUND YET. WHAT THEY IMPLIED TO ME BY THEIR ACTIONS IS THAT JUST BECAUSE YOU MAY HAVE HAD PAST CREDIT PROBLEMS, YOU MUST BE A DISHONEST PERSON AND MOREOVER...STUPID! IN MY OPINION THIS IS NOT A CREDIBLE COMPANY AND THE DISHONEST ONE.
I RECENTLY APPLIED FOR AND RECEIVED A VISA CREDIT CARD FROM REWARDS 660. I HAVE HAD SOME CREDIT PROBLEMS AND AM NOW TRYING TO REBUILD MY SCORE. AFTER RECEIVING THE $300.00 CREDIT LIMIT CARD WITH ONLY $50.00 AVAILABLE BECAUSE OF THE HIGH FEES AND CHARGES, I DECIDED TO PAY THE $250.00 PAYMENT AT ONCE SO I COULD HAVE A LITTLE MORE TO WORK WITH. I MADE THE PAYMENT BY CHECK. ONCE THE CHECK HAD CLEARED MY BANK, I CALLED TO ACTIVTATE THE CARD. AFTER HAVING TO ANSWER SEVERAL QUESTIONS ABOUT MY IDENTITY, I WAS TOLD THAT IN ADDITION TO THE HIGH INTEREST RATE, THAT I WOULD ALSO BE RESPONSIBLE FOR PAYING AND EXTRA $10.00 PER MONTH JUST FOR USE OF THE CARD. WHEN I ASKED WHY, THE CUSTOMER SERVICE REP COULD NOT DEFINITIVELY ANSWER. I THEN DECIDED THAT I DID NOT WANT TO USE THIS CARD OR COMPANY AND PRIOR TO COMPLETING THE ACTIVATION, CANCELLED IT. I VERIFIED THAT THEY HAD RECEIVED MY $250.00 PAYMENT AND ASKED FOR THE MONEY TO BE RETURNED. I WAS TOLD THAT IT WOULD TAKE AT LEAST 30 DAYS FOR THE REFUND TO BE ISSUED, BUT THAT I COULD CUT THE TIME IN HALF BY FAXING A COPY OF MY BANK STATEMENT SHOWING THAT MY CHECK HAD CLEARED. SO, I DID THAT. AFTER 2 WEEKS, NO REFUND. I CALLED AGAIN AND WAS TOLD THAT THE FONT ON THE BANK STATEMENT LOOKED TO HAVE BEEN CHANGED AND THAT THEY COULD NOT VERIFY IF THE CHECK HAD IN FACT CLEARED AND THAT THEY HAD TO BE INSURED THAT THEY WERE GOING TO GET PAID. KEEP IN MIND THAT I NEVER EVEN ACTIVATED THIS CARD. I BECAME ENRAGED AND ASKED FOR A MANAGER; WAS ON HOLD FOR A LENGTHY PERIOD AND FINALLY A PERSON WHO SAID THAT THEY WERE A MANAGER CAME ON THE LINE AND REPEATED THE WHOLE CHANGING OF THE FONT STORY AND SUGGESTED THAT THE ONLY WAY TO PROVE THAT THE CHECK HAD BEEN CLEARED WAS TO CALL MY BANK AND HAVE THEM VERIFY IT. I TOLD HIM TO GO AHEAD. OK, THE BANK VERIFIED THAT THE CHECK HAD CLEARED 3 WEEKS PRIOR, JUST AS MY STATEMENT INDICATED. I ASKED THIS PERSON WAS HE MAILING MY REFUND ON THIS DAY. I WAS TOLD THAT IT WOULD TAKE AN ADDITIONAL 7-10 DAYS. I HAVE NOT RECEIVED MY REFUND YET. WHAT THEY IMPLIED TO ME BY THEIR ACTIONS IS THAT JUST BECAUSE YOU MAY HAVE HAD PAST CREDIT PROBLEMS, YOU MUST BE A DISHONEST PERSON AND MOREOVER...STUPID! IN MY OPINION THIS IS NOT A CREDIBLE COMPANY AND THE DISHONEST ONE.
Comments:
Posted by LANDON on 2006-10-04:
Like I've said in many reviews about this company, I think they're GREAT!!! U are acting like they know u personally. That does seem a bit much to go through, but i love the company. And because u have no/bad credit they would like to cover their butts, which in my mind, is completely understandable.
Posted by SUNDERING on 2006-10-05:
Landon, I think you have missed my point. Their "butt" was covered when my check cleared with no problems. And, part of my complaint was that they do not know me personally, but instead they made a stereotypical assumption that I was not, going to pay them. But I am so pleased that their services work for you. I am going to try to do better.
Posted by LANDON on 2006-10-05:
And trust me as someone who works in a bank, they can't tell that ur check has cleared. When a company deposits a check it can take up to 10 days for that check to be returned to to account closure, nsf, among other things. Rewards cannot call ur bank to find out if the check cleared because it is against the law for ur bank to release any info to anyone else. And if Rewards calls their bank all that is able to be told to them is "It hasn't been returned yet" yet! That's why they wait! to make sure it has completely cleared. That's why they asked u to fax them bank statement. Don't know why u got the runaround after that, but...clearly i wouldn't expect them to do this EVERY month when i made my payments. but if u read ur agreement, u would see it is right there that payments by checks can be held for up to 10 BUSINESS days for security purposes. read before u sign or complain.
Posted by SUNDERING on 2006-10-06:
LANDON, I appreciate your defense of this company and your inside knowledge of banking. It has been over 30 days and I still haven't received my refund. And, I still don't believe that rewards is on the up and up. Quite frankly, I am very nervous.
Posted by LANDON on 2006-10-07:
I'm very sorry u're having so much trouble with them. Once i accidently sent two payments to them and i was refunded with no issue. it took about 45 days, but....better than nothing. Good luck with this and keep us posted!
Posted by smc59 on 2006-11-20:
This has to be the worst card ever. Those of you who are defending the company please let us know hw much you are being paid to say glowing things about this company as I might be in the wrong job. The CS is a joke well for the most part the whole company is a joke. Don't waste your time on getting the Rewards 660 card--go elsewhere.
Posted by LANDON on 2007-01-22:
Well smc, i work for wachovia.... but i seriously doubt that they r on Rewards660's payroll.
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