kate c.

For the most part, Walmart is great. My major complaint is that they do not have coupons on their website. For the elderly or disabled who cannot get around their stores easily, we shop online. We are discriminated against because anyone going into the stores can use coupons and get the discounts. If we order online, no coupons. Other stores and warehouses have them online, but NOT Walmart. I have been asking for the past 4-5 years, and all i get is "they are working on it but haven't gotten it up & running yet".

ONE STAR TOO MANY - DO NOT TRUST THEM! I got a NeatReceipts scanner years ago so i could get my tax information together, as well as some documents for safe keeping. Well, since i am not a 'subscriber', i cannot get any help. I upgraded to Windows 11 and thought that their system would upgrade along with it. Boy! Was i wrong! Not only did it not move over with the upgrade, it lost everything i had saved for the years i've had this. They no longer support the scanner since they are all digital now. Good for them - everything is being held for ransom in their cloud. If you don't keep up with the subscription, you can't get your info back. Talk about ransomware! At any rate, i have tried to see if there is some way of getting the original software to see if i can get my files back (previous years i have because i downloaded to attach with my tax filing records). I cannot get the info from 2021 and i do not have the receipts any longer since i scanned everything in and kept my records there.
These people do not care. I have contacted them but have not gotten a reply because i do not have a subscription.

This is about the Aetna Senior Products. To them, the seniors are the easiest to take advantage of and confuse.
Perhaps it is because I am old and have held many different jobs that I find Aetna less than competent. They do not understand the basics of simple bookkeeping, let alone how to properly record requests (other than claims). As for claims, I only had doctor office visits and those were paid.
I called in to cancel my supplemental policy. My mistake. I should have waited until the end of the month but had just gotten new insurance (due to relocation out of their coverage area). I wanted to notify them to not take the next month's premium. Since I called mid-month, they cancelled immediately even though I said end of the month. The rep took the information and put in the EOM date but since it was also recorded the date I called, they chose to cancel then. I called in and got re-instated for the last 2+ weeks. Their records showed that a refund check was cut for partial month premium. I had requested that they keep the money and continue coverage until EOM. They stated that it was already sent out. I told them to put a stop payment on it and just return the money to my account. They stated that they would do that and that the money should be back in my account within 5 business days. It did not happen. Now, I have a check I cannot cash because of stop payment and the money was not put back into my account. Since I requested that I be covered until EOM, they withdrew money from my bank account to cover that period. In essence, they have taken a premium and a half. And since I cannot cash the check nor get the money back into my account, they have collected approximately 2 times a premium amount in 1 month. Living on Social Security is tricky enough without being gouged by the insurance company. Their record keeping needs to be reviewed. In my account online, it shows that they took the full premium at the start of the month; show a refund amount (still waiting); and then another full month's premium. The problem? They did not take a full month's premium the 2nd time – only a partial. So, their records show that 2 premiums have been taken from my account when it was 1 and ½. Anyone else see the problem? If that is how they keep their books, it is a wonder that they are still in business.
They have also sent me 3 cancellation letters. All with different dates of cancellation. I called in today to find out what is wrong with them and their systems. Guess what? They will review and mail me another letter. No offense to the post office, but I hate getting mail.
To summarize: they do not know how to record premium payments; they tell ‘untruths' about refund processes; they do not know how to communicate properly (one cancelation, one letter); they do not know how to properly record termination/ cancelation dates.
I suppose I expect too much from a company that has been around since 1853. But I would have thought that they would have known about basic bookkeeping. It was essential back then and should still be the same practice today. Silly me. I was "thinking".

Do NOT trust ServPro! They are not truthful regarding their ads. In the ads, they state that they will get the damaged place back into the condition before the incident (flood, fire, etc.). In a recent basement flood, they did come and put in their equipment to help dry up the basement. They left their equipment here for more than a MONTH! The fans/ blowers were so powerful, they kept tripping the circuits/ switches! Needless to say, the power kept going out. When they finally came to remove the equipment, they also had to cut pieces of the wallboard to investigate for mold. When they were finished, they had advised that there would be some people to come to fix the wallboards (replace or just repair) and that those people should put the heater back together – they had to remove some screws and endcaps to do the cutting. After another week or two of being put off, finally got in touch with the office and they stated that they were finished and that it was up to us to find a contractor to do the final repairs. They are not helpful or nice about doing a FULL/ COMPLETE job.
DO NOT TRUST SERVPRO! They will lie to get your business then walk away without being thorough and leave it up to you to do the rest of their job.

Why would you want to bank at Discover Bank?
Here it is year 2021 and Discover Bank still mails things that can be posted in your account on their site as if it were back in the early 1900's when they were established. They insist that everything needs to be mailed. Do they get a kickback from the post office? There are other banks and credit unions that use their sites to 'send you letters', but apparently Discover has not figured out how to do this. You should be able to sign into your account, go to 'Secure Message' and get whatever it is that they feel needs to be read. These other banks that call themselves online banks do that. I am still trying to figure out why Discover cannot. I went through the bother of investigating the Federal Banking Rules & Regs to find within those articles & sub-articles that any and ALL communications need to be "mailed or delivered". And I spoke with a Federal Banking lawyer who explained that the "or delivered" refers to the bank's ability to post it in a *Secure Message* portal on the website rather than mail. I pointed this out to Discover and they stated that it is not in their policy to do that. WHY? No reason given. "Just because I said so", I guess would be the answer. When I first started with them, they were a better company. Since then, they have been going downhill to being less than helpful and more inconsiderate towards the planet.
In a nutshell, it is Discover's policy to add to the landfill, let you be vulnerable to identity theft (unless you want to pay for their "Identity Theft Protection" plan) and get your mail late (the post office states that it takes 7-10 business days for mail). So if it is important, it is already too late. Are you sure you want to do business with them?
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Let me warn you about Discover Bank. They will do things 'their' way and if you have any suggestions or requests, do not be surprised that it will be left on deaf ears.
I have been trying for the past 6 or 7 years to get them to be paperless and they have gotten back to me that they will continue to destroy our planet and there is nothing we can do about it. Okay, maybe I am exaggerating, but the sentiment is the same. I have been asking that they not send mail but rather use their secure message center. They insist that they will continue to use mail since that will comply with *their* business practices. They will email when statements are due but that is the only thing that is paperless.
We need to get all banks and credit unions to become totally paperless – for those of us who prefer not to receive pieces of mail that can lead to identity theft, spousal abuse, wasted money, wasted time, and, of course, landfill pollution. I understand that there are some who prefer paper, but it should be an option. To have to sign into the secure message center separately from signing in with either the same password or a password just for the message center. This was also a suggestion.
I did 3 days of research on the Federal Banking Laws & Regulations and found that within the articles and sub-articles, there is a phrase that states: any and all correspondence must be mailed or delivered. I then was able to speak with a banking lawyer and was advised that the "or delivered" meant that if the bank has a means of a "secure message center/ board", then the correspondence can be inserted there and NOT be mailed. I brought this to Discover's attention, and they still prefer living in the 19th century – in the belief that the Pony Express still lives.
There is also a website for financial institutions that expresses most of my same concerns. The website is:
https://www.accrue.tech/paperless-document-management-in-banking
I sent this to the CEO of Discover (Roger Horchschild) and never heard back. I guess he either did not like that I can do more than his people, or he chooses to be stuck in the past.
So, if you are looking for a financial institution, please do not consider Discover Bank. If you have a credit card, you are fairly safe. That side of Discover does its best to keep people happy.

ONE STAR TOO MANY!
Not an honorable company. You have to wait 45 or more days before you get your cashback.
If you wait the 45 days before you contact them, I hope you kept ALL emails from the company to want to get cashback from. You have to keep all the emails until you get your cashback. That can be 45 days or more. If you have to write in for your refund, you have to attach the confirmation email from the company you did business with, even if you use *their* confirmation email which has all the same information. If you send them their email you still have to send the confirmations. Their site acknowledges that you made a purchase through one of their sponsored merchants, but you still have to fight for the cashback.
I have had problems with a few different purchases, written in with proofs and they promised that they would manually add my cashback. I trusted them to keep their word and got rid of all the backup. Only to find out later, no added cashback. I have lost probably less than $10 cashback, but I can use that.
Please! Do not trust them. I cannot speak for other cashback companies, but I know that this one in not honorable.

Night Time Fat Burner
NOT TO BE TRUSTED
Label name implies to be taken before bed – NOT TRUE! Needs to be taken 20-30 minutes before last meal of the day. It makes me think that you take capsule, eat, then go to bed. When I questioned the company, they stated that it does not matter when you go to bed, only that you need to take it 20-30 minutes before meal. So, how is this a "night-time fat burner" if it is not taken before bed. Other products that are labeled "Night Time" state that it is to be taken before bed. See why I was confused? Also, they are willing to send you a 2nd free bottle, but you have to text in, get a reply then use Messenger to apply for the 2nd bottle. Not all of us use all sorts of social media. I do not feel comfortable sharing my life with people I do not know. (And, if you have no friends or family, it is only a reminder of your lonely life.) I digress. If you go to their site to read about the 2nd free bottle, they state that it might not be the same size as purchased. So, you might be getting a smaller bottle.
Interesting. Mis-leading label. Jump through hoops. Possibly get less for a freebie.
Do you see a reason to trust these people?

Dell computers. What can I say? They are HORRIBLE terrible equipment, really bad customer service, inept technicians, need I go on? Best quality? They have none. They know how to say "not my job" and pass you along where you sit on hold for over half-an-hour to be passed along to someone else who will not help you but pass you along to another person AND you get to explain the situation for the umpteenth time. Well, that is to say, this is the sort of service you get for personal/ home computers, I cannot give comment on the business computer side.

One star too many. This was my first year with them and will be my last. I had problems after I signed up with them. The sign up was easy since the agent wanted their commission if there is one. I had asked to be totally paperless and every person I spoke with assured me that I was listed as paperless. They then mailed me their book with formulary pricing. A huge book that was absolutely unnecessary since I got all my information online. I had requested that my prescriptions be sent automatically/ easy ship but apparently you still have to call in to confirm your refill request. I had complained to their offices and got a pleasant person to call me back (even though I had asked for reply in writing) and explain their procedures. I had mail orders before (not with them) and had a little trouble at first then everything went smoothly. I changed to EnvisionRX Plus due to the lower cost. Now I know why. They had problems with getting my prescriptions from my doctor and did not contact me to get it resolved, so my medicines were late in getting to me. When it came time for my refills, they sent an email to notify them if I wanted it. I called to ask how their auto re-fill' worked and they stated that they did not have one. When my medicine had been pulled by the FDA, they did not contact me to advise that I had to request a new prescription from my doctor. I foolishly believed that they would contact me or my doctor to obtain a new medication. I found out about this problem when I had to call in to approve my refill that should have just gone out. There were supposed to be 2 sent earlier than this one but was somehow overlooked. Needless to say, I will be changing next year during open enrollment.