Emerge Card / Visa Card Services

Emerge Card / Visa Card Services

Emerge Card, Atlanta, GA Similar complaint: http://www.complaints.com/directory/2005/june/14/43.htm I would just like to express my extreme disgust with Emerge. It is my understanding that Emerge handles the credit card accounts for First National Bank of Omaha. The only reason I know that is of my own findings. I had a card with Fleet (Bank of America) and it was sold to First National Bank of Omaha. I found this out by, having my card declined for a purchase of $18. I knew that I had more than enough remaining on that card to cover such a small charge, I called to inquire about it. I called the customer service number on the back of my card and received a recording about how my account had been sold to First National Bank of Omaha and to call another number.

I accepted this and called the other number. After waiting on hold for about 15 minutes, I finally get a customer service representative with a very thick accent. I am then subjected to a series of rather personal questions, my credit card account number, my social security number, my full address, mother's maiden name, and my date of birth?!?!? I don't even know who these people are and they want me to give them this information? I declined to answer ALL of these questions and if he couldn't help me, I want to speak with a supervisor. The same representative came back on the line and proceeded to give me the information I requested without further hassle. He told me that my card was declined because I was using the old card. I told him that my card had not expired yet, that expired at the end of June. The card I thought he was referring to was the card Fleet had sent me as a new card to replace the one about to expire.

When I checked my mailbox after disconnecting the call was when I received the new card he was actually referring to. Along with the card was a letter explaining the sale that would take effect May 29th. The post mark date on the envelope was May 28th. Upon looking at the new card, I see that it has a different account number on it entirely. Which posed a problem as I had to call businesses I had given my card number to for payment to give them the new information. This all took place about a month ago. During the past month, I have not received a paper statement in the mail, nor have been able to view my statement online. I have paid my bill online which is the best I could do. Tonight, I tried using the new card for the first time. It was declined. Again, I had enough money on the card to cover the charge so, I called to inquire about it. It took me almost an hour to get through to the customer service people and when I did finally get ahold of a human being, I was subjected again to the same series of personal questions.

I was told that my card was not active. That due a system error, many cards had been deactivated. I had enough. I requested that the card be cancelled. Would it be too much to ask to notify these customers of the error rather than subject them to the humiliation of having their card declined at the register? There is no sense in having a credit card that I cannot use. I am thoroughly disgusted with the lack of common courtesy let alone customer service of this company. We live in a day and age where identity theft is a fightening reality, having a card declined for no good reason can send someone into a panic. Michelle

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