A
consumer from the state of Nevada
with an EppiCard wrote to me concerning their EPPICARD NIGHTMARE!
"On September 9, 2009 I went to a local merchant store and made a purchase for the amount of $13.02, was asked if I wanted cash back said yes and entered $300.00, this transaction was declined, the cashier canceled the transaction, I re-swiped the card for the purchase amount, this was accepted and I went on my merry way.
The next day my husband went to withdraw the $300.00 and the bank declined as there were no funds available. So I went on line and saw that the $313.02 had been debited (along with another debit less then a minute later for $13.02). I called the store (9/10/09) and they were more than helpful they gave me the number to their home office and I spoke to one of their rep. He informed me that the transaction had been declined because the terminal was "unable to communicate with the issuing bank" ( I had them fax this to me along with all the other information they had).We then called EppiCard we were told that there was a hold placed on the amount and that it would be credited to the account within 24 hrs. no problem, we would wait. 24 hours passed and the amount was not credited so we placed another call and were told that "yes there was a hold, but it would take 48-72 hrs" fine we wait again, still no credit. So we call for the 3rd time, asked to speak to a supervisor and were told that there is no way any employee told us that there was a hold (as if we were liars) and that we would have to file a dispute, which we did.
Fast forward one month...On October 15 the the amount was credited to the card (we were not notified of this by e-mail, I found out when I went on line on 10/20 to check my balance) but on the 16th the amount was re-debited. We place yet another call to Eppi and are told that the amount was re-debited by the merchant and that they would be sending us a read-out that proved that it was done by the merchant, yesterday I received a print out of the "statement" that was available on line and this was for the date of the original 'purchase' not of the credit/debit transaction of 10/15-16, and still this shows NO transaction code. There was no letter of explanation.
So I call the merchant today and they again pulled up my information and it shows that the amount was declined and so here I am.... I will not beat my head against a wall (as this tends to hurt and wreck the paint) but I also will not take this lying down. As there is no 'complaint department' at Eppi I decided to turn to the Internet and I found you! I won't say your my only hope, you are but the first step. Thank you for your time..(End of Consumer's Email)
Here it was in November and after filing all of the proper documentation and doing everything that was required his claim had been denied and the consumer was going to be out their money. They contacted me and I reached out to:
(1). Governor Jim Gibbons, Governor of Nevada
(2). Executives at the company that operates the EppiCard, (The one gentleman I work with at the company, K.E., has always been very responsive and helpful! This time a gentleman, J.B. responded to the consumer to apologize and let them know that they had received a full refund to their account)(3). Officials of Comerica Bank!
(4). Mr. Ben Bernanke, Chairman of the Department of the Federal Reserve System and key members of the staff at the Federal Reserve!
Within a couple of hours EppiCard had the consumer's issue resolved and they got their money returned to their account. I received an email from the consumer tonight confirming the fact. I LOVE IT WHEN A CONSUMER/CITIZEN GETS THE JUSTICE THEY DESERVE!!!
to anyone and to everyone who helped in any way to get the consumer's issue positively and promptly resolved! OUTSTANDING!
If you have a compliment to share about a company or government agency email your compliment to me at compliments@haroldsays.com. If you have a consumer related complaint or issue with a company or government agency that you can not get resolved, or you have a question that you need answered concerning a consumer problem or issue, please contact me by email at complaints@haroldsays.com or call me at (570) 341-6796. I will be delighted to speak with you personally.
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