19 Apr, 2017 → by ClaimboUser950302
Credit card blocked after paid in full!!!

1

Got a card thru the Home Depot with a credit line of $3,000 to purchase a lawn mower. I had a balance due of $1,580 which I paid in full 3/13/17. Last night my dryer dies so I call to activate my card knowing I was going to purchase a new dryer after work (today is 4/19). I called on my way to the store (4:15pm) to confirm my card was activated (the automated system hung up on me repeatedly while trying to activate the card the night prior so I am trying to prevent that embarrassment of a declined card) and that the account was paid in full... to which she confirmed yes to both. Here we go into the store picking out the new dryer (throw in washer too so I had matching set) and now we are at the checkout counter. All the paperwork filed and it's time to pay.. guess what declined..twice!!! I call the company (4:48pm at this point) to be told there was a hold placed on my account for 14 days to verify the funds due to my "large payment" (mind you I paid 3/13 and today is 4/19!)..I get the need for a hold to verify the funds... trust me I do! What I don't get is that I was told the hold will not be released until tomorrow. After leaving the store and calling back because I wanted clarity I was informed that because so many people call to pay and then go right to store to use the put a 14 day hold to verify the funds.. again I get it... but here is where I have the problem...1) they put hold on entire account (with credit limit of 3,000 and balance of $1580... I should still have $1420 available) 2) I was told there is no explanation why the system didn't release the funds, they get these calls all the time and once a hold is placed on the account they don't know to remove it until the consumer calls... ok so your telling me the automatic block that YOU put on the account to validate funds that I as consumer don't know about to start with is only removed when I call and request it (which of course as in my situation would most likely be when I am in line at the store to make a purchase)!?!?! 3) the Customer Service experience is terrible... if they knew this was an issue since 'they get calls all the time about it ' why was I not informed at 4:15 when I called to very all was well or better yet... they are working to resolve the issue and maybe notified their consumers via phone or email they are working to resolve a known issue? How embarrassing when I know I paid my account in full... who knew doing the right thing causes so much hassle? Especially with a 7year old in tow to the store only to have to deal with this! Thankfully the new dryer was purchased and paid for in full with cash so I will not have to pay a penny of interest to this company again!!!
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