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Discussion in 'Credit Talk' started by Momof3, Oct 4, 2000.
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I owe them 176.00 on my overdraft and I can't wait until my next payday so that I can pay them off and be rid of them.
I got flamed on this board way back at the beginning of the X.Com mania when I pointed out that the bank they were using was in a town with 700 population, and I wondered whether they would be able to live up to their promises.
I never opened an account with them.
I have to say this was a good bank in the beginning but it got ugly quickly. Every time I would stay at a particluar hotel in Las Vegas, it would take me 5 days & count less phone calls to get the pre-authorization off my card. It got to be so frustrating I took all of my money out of my account. I recently opened an account at another on-line bank, Compu Bank. Hopefully this will be better.
What will happen at any bank when you use a visa check card, especially at hotels, since they do a preauthorization on your card that is not released for 5 days, and usually do it for the room rate x the number of days plus 20%.
Actually that was not what happened. They released the hold and then put another hold on the account later the same day. I usually use my Visa credit card for hotels, but wanted to try the X card. Pre-authorizations usually take less than 2 days to come off. X.com will not take off the pre-authorizations unless you have the hotel/rental car company call. This has happened more than once. The first time it happened I thought it was a clitch, but it happened one more with the hotel & the rental car company. Needless to say, out of the cards I do have, X.com is the worse when it comes to re-solving customer service related issues.