Nayoung K.

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2 Reviews by Nayoung


I'm staying out of state since last year and haven't used my penfed credit card for a long time. I never expected I have a transaction to pay.

I got their payment notice on Mar 23 for the first time regarding an unauthorized transaction which occurred on 2/3/2018.
That's why I had some interests ($0.56) besides the unauthorized transaction ($59.95).

There was no transaction activity to display online at that time and I had to make an international call (3/27/2018 7:38 pm) to check what happened.
The transaction was Thrivemarket at CA and I assumed someone else used mine because of my home address in FL.
That's why I cancel the previous credit card and the new statement finally showed up on Mar 29.

I filed the dispute form on 4/3/2018 but didn't get any response from penfed staffs. I had to contact ThriveMarket to cancel this transaction.

If I have a small interest and balance transfer from the previous credit card, it's their responsibility because they didn't email me on time and provided the transaction in detail after I made an expensive international phone call.

I have a very good credit score (over 800) and paid any purchase on time except this unauthorized transaction.

I have only one unauthorized transaction and all finance charges are related to this dispute. They emailed me you have 60 days from the time your credit statement cycles to dispute the transaction in question. You will not be responsible for paying the disputed item while we are investigating the charge, nor will you be charged finance
Charges during that time.

I don't mind to pay additional charges including delinquent charge ($21.34) but do mind their quality of customer service.

I assumed the dispute had done and interest charges on purchases have related to this dispute and should be removed after solving the problem. I emailed several times regarding this issue for several months but got all different answers from different staffs. Delinquent charges were removed and charged again WITHOUT explanation. Recently, I asked what's interests on purchases because I didn't activate my new credit card to purchase anything and they answered a few days ago I have to pay small interest which was NOT related to the dispute.

They deal with the customer and earn money like that which can be prevented from the very beginning. They were lazy to look up my statement in detail until I ask what's interest on purchases and just said sorry for inconvenience repeatedly without a soul.

Noone responded to my dispute after filing up the form and no sorry not to display unauthorized transaction until I made an international call. All staffs had different answers and noone let me know I have to pay small interest which was NOT related to the dispute after solving the dispute myself for such a long time.

Please be aware when you select this credit card.
Thank you for your time!

Tip for consumers:
I have other credit cards based on my credit score but had to wait for around 2 months to get penfed credit card. They keep saying some internal system errors delayed my application.


Im living in Tampa, FL and I purchased 1.3% discounted walmart electronic gift card ($98.42) on 9/7/2016 from CardCash. I used $22.98 for me on 1/7/2017, but someone else used up $75.44 on 5/23/2017. I realized it on 5/28/2017 and called walmart customer center, she told me items sent out CA, TN etc.

Its eGift card and I have all transactions with me. The card purchased from TN and it's easy to investigate where items sent and who ordered them on that day after tracking IP address. The gift card purchased from Rockwood, TN.

I'd been to police department and policeman told me they need Forgery Affidavit from CardCash to investigate this on 6/7/2017. I emailed CardCash more than 7 times and called more than 4 times.
However, they kept ignoring and denying to provide original cardholder information and Forgery Affidavit without any reason.
Original cardholder and CardCash staffs only knew this information.

They kept saying they have only 45 day money back quarantee.
However, I'm not asking REFUND but asking FORGERY AFFIDAVIT to report policeman.

I'd been to police department again on 6/23/2017 and one kind policeman called CardCash for me at 9am using my cellphone. I have a voice file for that.
After that, finally they emailed me "At this time we will not be providing that information." That's all. No sorry for innocent customer and no reasons why they WILL not provide it. That's how they responded to me and policeman.

After filed up Better Business Bureau, they responded me that "Unfortunately, we cannot release that information as per our customer protection and privacy policy unless we receive an official subpoena from a law enforcement agency, we would then be happy to comply."

Am I not a customer? What kind of protection they provides to buyers, even if policeman decides to look into?

No one goes to police department just for FUN. If policeman investigates, it reveals everything who is guilty.

I guarantee it will happen again and again if no one controls like CardCash.
Ordinary people dont go to the court because its small gift card compared to lawyer fee. Thats why those similar companies take advantages of customers for years and years. This kind of business is now growing very rapidly and many customers losing their hard money because of FORGERY.

They should make an emphasis on original cardholder and their staffs on their website that "Forgery is illegal and felony. You have lifelong legal responsibility, if you attempt FORGERY after selling your gift card. We are willingly providing FORGERY AFFIDAVIT if customers want to report policeman" I think it protects both sides.

If anyone knows how to get subpoena from a law enforcement agency, please let me know. I want to warn others to avoid any risk.
Please, be aware and spread this to your friends, if you can.

Thank you!

Nayoung Has Earned 6 Votes

Nayoung K.'s review of Pentagon Federal Credit Union earned 2 Very Helpful votes

Nayoung K.'s review of CardCash earned 3 Very Helpful votes

Nayoung K.'s review of CardCash earned a Well Said vote

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