M H.

Applied. Was approved. Received my card, activated it, used it once and they froze it. Called, was told they needed to verify my identity, I had to send proof of address and photo ID…why this was not done prior to allowing me to use the card is beyond me! Then to top it off, it would take 3-5 days to unfreeze. Told by customer service "the fraud department might call you in an hour, it might be a day or so, I don't know" HORRIBLE ANSWER. You cannot speak to a supervisor or the fraud department. You are left to sit and wait. When they finally called, it was for a second person to NOT unfreeze my card but to waste more of my time. It took 5 days and 4 phone conversations to unfreeze my card…the day after my card is finally useable again, I go to purchase groceries and guess what…they froze my card again! I called again and was told they needed to hang up and call me back to verify it was me…after I answered all the questions with the person when I called….the entire time I am horribly embarrassed in the grocery store with a cart full of groceries…the person calls back and asks me my email address, which I had told him 5 minutes ago while in the phone with him! Then he claims my card is unlocked. It was not, still would not go through. After 30mins of this I paid another way and went home. I then called the fraud department again and was told that person needed to call me back to verify my account…after asking me a bunch of security questions to verify my account…She also did nothing to unlock my card, telling me it's going to take 3 business days to unlock it. So now I have had my card for 2wks, with 8 of those days being frozen. I have been embarrassed multiple times by a declined card, that should not be happening. I was told to make a payment to see if that stops them from freezing my card, I don't even have a bill yet, it's been 2wks since I received the card and only a week since it was even activated…oh and let's not leave out the part where they claim to have no idea why my card keeps getting frozen but claim it could be because it's a new account…NOT promising information for new customers! Don't bother asking to escalate the call to someone who has answers, you'll be told no one is there to take the call. So now, here I am again with a card that is completely useless until someone gets around to calling me to do what, I don't even know at this point. I will not use this card again because it is not fun going through this every time I try to use it. If I can help anyone avoid making the same mistake I did, I hope this is it! I chose this card for the PC points, which would have been great but instead I am left with so much frustration this card is not worth the headache it has been.