The Truth Once and For All . X.com Should NOT be a Bank
Written: Jul 05 '00
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Product Rating:
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Pros: ?
Cons: read on my friend,read on....
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| ImagiBear's Full Review: X.com |
I know you've all heard such wonderful reviews on x.com. But seriously,90% of those were from persons that had recently received the free $20 x.com gives you to open an account or found out they had a credit limit. Great shiny things you can't complain about.
Well..here's a reality check,watch it bounce.
I am copying a letter that I recently had to write x.com.
It's a long one and only half of what I've been through with them..I'll tell you the rest after you read the letter.
I have Xed and changed a few things for my privacy.
The Letter~
In my long experience with x.com phone service has never been helpful or
truthful and has caused me more problems than you are worth.
In this month alone x.com has caused a NEGATIVE $2000 error in my account
which it took me threatening lawyers to finally get fixed. That little
"error" caused me more harm than I will even begin to describe outside of
court. But just for a glance in.. the phone assistance told me that a check
I had written would clear and just to "ignore" that $2000 error sitting on
my screen. The check didn't clear. It bounced and bounced and bounced due to
that "minor" $2000 negative error.
TODAYS PROBLEM:
NOW. Today I tried to use a credit card that I HAVE ALWAYS USED to deposit
funds into my account. I tried 6 TIMES. I made sure the address matched the
address for x.com. I made sure I hadn't used up to my $1000 for 6 months
limit. I made sure the numbers and expiration date were correct.
I got an error message..your address is not correct,your card is
declined,etc. I tried and tried,I moved the digits around on my address,used
my fall through spring address instead of my summer address,added and
subtracted little bits of punctuation to make the addresses exact duplicates
of that on my credit card. IT STILL DIDN'T WORK.
I am trying to DEPOSIT,this is not a crime!!! IT should NOT be this
difficult.
The person that stole money from my account a few weeks ago (whoever it was
since I never got an explanation from x.com) had less trouble and they were
taking money OUT!
I'M JUST TRYING TO PUT IT IN. I'M GIVING MONEY INTO AN XCOM ACCOUNT!!!!!! THIS
SHOULD NOT BE FROWNED UPON.
PLEASE HELP ME DEPOSIT IT! I'm NOT computer illiterate,it is your program
that is the illiterate one this time my friend.
~THE SOLUTION~
I want to deposit $XX into my x.com checking from my credit card #
XXXXXXXXXXXX expiration date X/XX PLEASE DEPOSIT IT FOR ME. I AM
GIVING YOU PERMISSION.
It is the same card I have always used for this purpose from the same
company.
~
So today 7/5/00
after finally giving up..I walk down to the store to at least spend some of
my x.com money..and guess what? MY DEBIT CARD IS DECLINED. Why?? Is my
account frozen?? WHY? I have checks I have written for rent! WILL THEY
CLEAR? I want the truth this time. I know its not the IRS that has frozen my
account,as I am paid up with them. I know I have not asked for it to be
frozen,why would I when I depend on this account???
Please help me,not excuses..just this once I want actual help..like a bank
usually gives.
JUST ONCE.
PLEASE?
I'm BEGGING YOU!!!!
IF you have any compassion , imagine your money getting
frozen,hacked,declined,..all in one month,the same account. The money you
depend on.,rely on,but don't we all need money to survive? This is my
money,it should be available to me. I trusted x.com to be my tool for the
safe keeping of my earnings,was I wrong?
PLease just help me get money into my account and see that the checks that I
have written for money that is already in my account clear?
I feel like I'm dealing with a "grab your cash when you can" instead of a
bank
My Name
my email
previous email address:
born date,year in town,state to mothers name,
maiden name
exact time i was born
name at birth
social security number
I have had state IDs in state,and state,I have failed X driving
tests in state over a span of X years.
I was arrested for a misdemeanor in town/state/date maybe
they still have my finger prints if you would like me to send a matching
set?
winter home
address
summer home
address
phone numbers
checking account customer.
Member of x.com since (the beginning) , I came in on that awful "get $20 to join"
promo,I wish I never had.
These are not the only problems I have had with x.com,just the most recent.
If you need any more personal info,feel free to email me,I'm not going
anywhere until my account not working causes me to lose my home.
After that you will find me camped out in my attorneys office.
~letter ends~
Well,you would think all my problems would be solved with this letter,wouldnt you?
They won't be.
I know from experience.
A) They can't deposit from my credit card themselves,it HAS to be done through their little server by me,no exceptions. So if it doesn't work for me,then tough luck.
B)They did freeze my account because I changed my address..but they didn't tell me,no notification of any kind. I just know this from dealing with them..they'll freeze you account for a change in phone number,god forbid. They don't inform,you find out when you've got money in your account,yet the checks you've written still bounce.
Customer service? They're not very well trained. They're not like bank tellers. All they are in frequently asked questions people,you can talk your face blue to them,they simply don't have the power to help you or change things and they are always very vague.
Now..that we know that my present problems won't be solved over night...
What other problems have I had before this month?
Well...for starters..
I have emailed them several times for a new bank card,as the magnetic strip on mine is fried. It's been 4 months now,they still haven't responded. Everywhere I go the cashiers have to manually type in my numbers. I joke that my cyber bank is still in the ice ages.
Now they gave me a line of credit,if it weren't for the line of credit..well..I never would have stayed with them.
Lets say that that line of credit was for $600. Well one day I had used $397 of it. I logged into my account to see how things were doing and *gasp* they had shrunk my credit limit to $400! I was now $7 away from being overdrawn! When I asked customer service she just said they were doing it across the board,no explanation. I never received notice before hand or even after explaining or warning of the event. I had to scramble that day to figure out how to get more money into my account at the speed of light.
Beyond that..the site goes down more frequently than I can think about,in fact it gives me the creeps.
Their online security is horribly lacking compared to other online banks.
They just don't realize the seriousness of caring for the money of others. They got off with a great bang giving away cash,but at what price?
I have spent many nights worrying over checks that bounced when I had the funds available,hackers,an ATM card that ATM machines won't accept because of the magnetic strip....
I need a vacation from x.com.
In a way I almost hope they screw up again. I could use the money from the lawsuit.
On the other hand,I've gone through hell when they've tangled up all of my money and wouldn't want to go through it again.
My business has suffered losses due to their mistakes,my fridge has been empty a few times while they held my funds captive...
it goes on and on.
Was the $20 really worth this?
Was the credit line even worth this?
Some days I've just got to say no. At least before I knew that when my bank said "funds available" it meant it.
Recommended:
No
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Epinions.com ID:
ImagiBear
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Member: Cathe
Location: Humboldt, USA
Reviews written: 138
Trusted by: 133 members
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