Household Bank Master Card / Poor Customer Service
I had this card for about a year. I was using it, making payments for it and everything was okay. Then one month I missed due date and made a rush payment (for extra $15 service fee) to avoid a late fee. Few days later I find a returned payment fee ($35) on top of the overlimit fee ($35) and then "Account Secure" service fee of $3 (which is provided by Household Card itself) and another overlimit fee of $35. I called their customer service to find out why all of a sudden my card got charged all of these fees. They explained to me that my bank denied them a payment. I thought it was weird, but before I argued any further I had to call my bank just to make sure. So once I got of the phone with Household Customer Service (HCS) I called my bank to find out the reason for the denied payment. My bank told me that there were no attempted withdrawals from Household. I told them what happened, and they told me that there are no payments that were denied, and that mistake must be on Household end. I called back Household explaining them what a teller from my bank told me, and HCS representative said that if I can prove it, Household will take those fees of. This happened back in October of 2008. During the time of me "prooving" it (I finally did it on March 20, 2009), I kept getting charged late fees $35 per month, on top of overlimit fee ($35); because every month "Account Secure" would take their $3 dollars or so. I had to send them 2 faxes from my banks assistant manager (which is Citizens Bank) to their monitory research department, stating that no transactions were denied. I called them twice in following 2 weeks just to find out that I should send another fax, because they are not sure what happened with the first one (I got a printed out confirmation from my banks assistant manager that the document was succesfully faxed). After I sent another fax, I was told it should take about 4 days for them to conclude their "investigation." It wasn't so up until 13'th March (2'nd fax was sent in mid of February). During that time, I wasn't allowed to make any payments because of the previous denied payment (which wasn't denied in the first place). I called them today (March 20'th) and they told me they will refund $70 and there's nothing else they can do. I'm working on filling out a complaint about this companys' poor customer service (half the time HCS couldn't understand me, or I couldn't understand them because they were located somewhere in Asia) and shady techniques they are using to get their customers money. Perhaps if I would'v known better I would'v canceled my "Account Secure" right away and done other things (open another bank account, for more extra fees, so I can pay this incompetent credit card company), but I'm no banking guru, just an average American citizen working hard to get by. Logically, any other more decent company would'v locked up the account (1'st it was overlimit, 2'nd there was an ongoing investigation going on) but not this one. So just because I don't know the system, and shady banks like Households bank do, they can use these sneaky techniques to lure money out of people like me. I'm posting this, hoping that it will, hopefully, help somebody out there in the future. Or perhaps someone has a good advice for me.