Home Trust Reviews

It is very hard for me to imagine what atrocities this company would have to commit to make me hate them more than I do now. Had tried multiple times to get a Visa through them, to no avail, and with no responses. Called them to figure out what was going on, and my wife and I collectively spent well over 4 hours on hold, being disconnected several times without warning or reason. Finally get a hold of somebody, and get told that they have a large influx of applications, which is what is slowing the process down. Also got told that the waits are so long because they keep getting phone calls asking why their applications aren't getting pushed through. Neither of those are acceptable excuses for any business to give, but we are assure by the representative that our card will be on its way within a week. It never comes. Not even after two weeks. We file a Better Business Bureau complaint, and this finally motivates them to get moving. They respond to the complaint at the very end of the business day that is their deadline for responding. Their response is a lie, they say they contacted us, which they didn't. They don't call for another two days, when they finally say that the card has been approved and pushed through, and it'll be in the mail by the end of next week. Another lie, it gets here in eight days, nowhere near what they said. So that's cool, finally have the cards, call to activate. Except that they can't be activated, because you see, the card is required to be activated from a "home phone" in order to verify my location. I'm not fifty years old, and it's 2018, so that's not possible. So I call AGAIN to the help line. Thankfully this is only a 20 minute wait and I get to talk to a nice lady named Michelle (that isn't sarcasm, she was genuinely helpful) and I get my card activated. My wife has to call back separately to activate her card, but that's to be expected. These cards I now have are the physical manifestation of a sunk cost fallacy. Really hope my interactions with this company are better in the future, but for now I can't give anything more than a one star rating. (I wouldn't give zero even if I could, because like I said, I do actually have my card now, and Michelle was a pleasant enough individual to deal with).