Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Early Warning Services, LLC (FL)

For the past XXXX months I have been trying to use my XXXX XXXX to XXXX XXXX. Ive been a member since 2021 and Ive had absolutely the worst experience with this Card leaving me stranded multiple times leaving me embarrassed and the customer service agents dont have any type of clue How it feels to go through this situation especially when theyre not American or live in America they read off of a script and they bypass all the other security measures. I put in place to verify myself for absolutely no reason this all started when agent put my address in wrong With the unit number first, then the address, which does not register in the system and problems have been starting. I literally can not use my card. It gets locked after every time I swipe no matter if the charge is XXXX dollars no matter if the charge is XXXX I am very disappointed in the service and the function ability of this early warning systems has a overbearing system that does not work. I have constantly been hung up on and theres literally nothing I can do especially when early warning is literally breaking the law and doing things without my knowledge in order to so-called verify my activity and it XXXX me off because why in the XXXX is early warning sending notifications with reference numbers in them to my previous addresses do they not understand that that could open me up to more fraud whoever gets that reference number in that letter at my old address if they have any inclination into a criminal mind, they can call the number on that sheet of paper. Give them that reference number order a new card and then Im here waiting to use it with that reference number but all because early warning send my reference number to verify me to a different XXXX address in the XXXX thats on file I believe thats very wrong early warning is literally opening people up to more fraud just because XXXX XXXX is the issue of the card but I have great credit and I have a visa so you can use that card anywhere XXXX is accepted. The supervisor literally told me verbatim whenever you dont use your card at XXXX XXXX. They send it to us we locked the card. Do you all understand the amount of times Ive been stranded Ive been embarrassed. Ive been at the grocery store. Ive been with my kids and I got to swipe my car and it declined and we have to walk out of there like XXXX  werent early morning and XXXX XXXX to open my card. Let me use it freely and allow me to do what I need to do you all can call my phone number with the automated system and request me to make a payment but you cant use that same phone number to verify my identity. You dont allow me to use the security password thats on my account. You dont allow me to text my phone which literally is my phone connected to my social at XXXX XXXX I have sent early warning, numerous documents verified myself because XXXX cant get any action over the phone. I just get foreigners who are reading off of a script and can barely understand English and then they hang up on me. Ive sent constant correspondence to early warning with no no type of action I get no updates no phone calls but they want me to pay! Im not paying any money until my card is open and ready to use. You all are sending reference numbers to my previous addresses going down the credit report when you all dont understand thats the stupidest thing of company could do is give crucial access to an account and the power to control that account with XXXX stupid work numbers And youre doing it because you wan na verify activity early warning does not understand. There could be a major lawsuit on their hands with the other numerous amount of people that are going through this you do not understand if someone gets that reference number in the mail they can literally call give that reference number change the address change the email change the phone number on the account and order a new card and if Im not paying attention within XXXX days go and spend all of the money on my account all because you want to verify what everythings been verified. Theres nothing wrong and I want to reiterate you all can call me and request a payment but you cant use the same phone number to verify my identity or use my account password. This doesnt make any sense I believe the customer service is horrible and the ability to use the card is horrible. I verified my account activity at XXXX and after XXXX swipe XXXX minutes later my card was locked. This is fraud in XXXX XXXX fault, why brand a card XXXX  where Im told I can use it anywhere but once XXXX XXXX sees there not getting the mo why from their branded card they flag all my purchases and has early warning lock my card. Its been weeks I havent received any reference number and Ive had enough of this XXXX card