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Review by customer michael conlon-sismey6 months ago
Applied for the secured credit card but since it required a $500 security deposit paid in advance I double checked how long id have to wait for my card and told in writing 3-4 weeks so i sent in my money with a extra $39 fee to expedite the process. checked in with them on week two and told again 3-4 weeks. week four ends i call again and told they actually need six weeks! I formally complain to the home trust ombudsman and next thing you know Im being asked to send in all this documentation and bank statements for "verification purposes". Even though its a violation of the consumer protection act to make new rules up to "qualify" for a paid in full product after the delivery date had expired I play along and send them what they ask for. Today i get an email I didn't meet their lending qualifications and returning my deposit! Unbeliavable.they sit on my money for a month and and don't give me my card because I had the huberis to complain not recieving it when I should have! filing a formal complete with complaints ombudsman that oversees all banks and trust companies for unfair and deceptive practices. have read a lot of reviews since this happened and my experience is not uncommon. wish Id read the reviews first and hoping you are one of those people who have. Worst company ever!Avoid!avoid!AVOID!!!!
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Review by Jason Crooker2 years ago
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).
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Review by Curtis P.2 years ago
I applied for a card the end of January. I haven't heard anything from them yet and it is the end of April. I called in 5 times. Twice I waited on hold for over 20 min and was cut off, three times I got through after 30 min and got the runaround from the same guy! I think they may only have one guy answering the phone. Horrible service
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Review by MICHAEL S.2 years ago
applied for card, received email 3-4 weeks wait, 6 weeks later nothing. Been on hold for 45 min, useless. Says all lines busy , then hire more fricken people, cheap pri*ks. Will not do any business with this soon to be bankrupt again business if they continue with the totally shabby service
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