Higher One, Inc.

Review: My daughter is a college student and she has funds that we have been waiting for. The card keeps telling us that she needs to provide two forms of i.d. which we have done numerous times. Then they turn around and deny her id's saying that they can't read them. This last time they denied her social security card saying they couldn't read it then right after that they changed their story saying it was because it wasn't signed. We need this money to pay for college. They need to stop playing games. The semester is almost over. From the other complaints it looks like we are not the only family. I think this company has something fishy. I think maybe the government should look into it being it is the governments money they are trying to take.Desired Settlement: I would like the money put on her Higher One card so we can pay for college. That is what is expected without having to mess around with resending proof that she is a citizen and she is who she is. Her id matches with her social security and I think that is good enough.

Business

Response:

This response is to acknowledge receipt of Ms. [redacted]’ communications received from the Revdex.com, regarding case # [redacted]. Higher One is committed to stellar service and takes complaints very seriously.

Review: My school, [redacted], runs its tuition refund service through Higher One. In November I made a payment for my [redacted] credit card using the refund I received from my school. This was intended to be a one time payment and the account was not suppose to be linked to my Credit Cards payment system. About four weeks ago another payment was made to my Credit Card for $1100.00; which was suppose to be made from another account I have with [redacted], however, [redacted] mistakenly took the money from the Higher one account. The account at that time had no money in it because it is a Tuition refund account and that money was distributed to me weeks earlier. Due to this my account was over-drafted by $1100.00. Higher one alerted my promptly to this overdraft which confused me at the time because I believed that money was taken from my [redacted] account. I called their customer service office immediately after receiving the email, while in school, in order to resolve this issue. I explained to the woman I spoke to that this was an error and [redacted] shouldn't have charged that account the money and I requested the fee be waived it was the Banks mistake, not mine. The woman claimed she could not assist me at that time and that I would have to call back another time. I attempted to reach Higher One over a four week period and was unable to reach them due to conflicts with my school/work schedule and their customer service business hours. Additionally I attempted to email them in regards to my issue which they seemed to disregard. When I finally was able to reach them today (12/28/15). They first told me that I owed them the full $1100 and the $29 fee, even though [redacted] refunded the 1100 back to Higher One four weeks earlier. After that was resolved they stated that the fee could not be waived because it has been in effect for too long. I feel I was taken advantage by Higher One I attempted to contact them for three weeks in order to resolve this issue and was unable to. whenever I reached them they claimed they could not assist me. Although I cannot control their business hours the fact that they Ignored my customer support email entirely leads me to believe that they wanted to draw this rather minor issue out so they could charge me the fee.Desired Settlement: I feel I shouldn't have to pay the $29.00 overdraft fee to Higher One. Since Higher One Representatives where unable to assist me with the issue immediately after it happened. I feel I should not be penalized for their incompetence.

Business

Response:

Review: I have a bank account with Higher One Inc. with number [redacted] since my school requires me due to my Financial Aid refunds being processed by them. I've been having billing issues with [redacted] and [redacted] trying to charge my account with recurring payments even after I spoke to them to cancel my memberships and thus the automatic payments. Since I know people that have had the same situation I had and they keep billing them, I contacted Higher One on or about 01/20 to advise them not to allow any transactions from the mentioned institutions and the agent assured me that a note was placed on the account so I didn't have to worry. To my surprise, on 02/01/2016, two transactions were authorized, one for $46 from [redacted] and the second for $41.73 from [redacted] Club. They did reverse the charges, but since my account had a $0 balance because I only use it to get my refunds I got charged two insufficient funds fees for $29 each totaling $58 in negative charges. I called to close the account and they wouldn't let me do so since I have a negative balance but they wouldn't waive the fee either. I've been going through so much with this company, including an issue with a check I sent through mail to be deposited and they tried to deposit it over a month after I sent it, so the way they handle people's money is ridiculous. I just want to get the fee waived and have the account closed and end up all business I have with this company.Desired Settlement: I want the $58 insufficient funds fees to be waived and have my account closed.

Business

Response:

This response is to acknowledge receipt of our

cardholders communications received from the Revdex.com, regarding

case # [redacted] Higher One is committed to stellar service and takes

complaints very seriously.

In the interest of protecting our customer's

confidentiality, we have contacted Mr. [redacted] via separate notification to

address his concerns.

If Mr. [redacted] has any further questions, he may

contact us by calling the number on the back of his card Monday - Friday

between the hours of 8:00am - 11:00pm EST.

Sincerely,

Tami T[redacted]Vice

President, Customer Care

Review: On November 1, 2013 I went to the ATM machine at my school campus to make a withdraw, then the screen on ATM machine stated the transaction is being processed. Minutes later the screen displayed the main screen, so I repeated the steps to make a withdraw and still no money was released from the ATM machine. I went to my car and I called Higher one phone number and I have to give my card number before I can be transfer to an operator, and after I put in my card number the balanced was five-hundred dollars lesser. I spoken with a supervisor name [redacted] and he said I will be credited the five-hundred, but I never received the money. Since November 4th to 5th I have been going through a turmoil trying to get my money back from Higher One company.Desired Settlement: I would like to get back my five hundred dollars that the ATM machine took from me.

Business

Response:

Dear [redacted],

Review: I changed my email address on my account online and when I confirmed it I tried to sign in again and it did not work. I got locked out and I called them and they emailed me a password reset. Well it did not work . I was transferred 5 times and everyone is not helping me. Also awhile ago I wrote them to change my birth date and they have not. First I called and sent them documentation of my drivers license and they told me they fixed it . Which they have not and one lady asked what birth date do they have and I said I have no clue since I opened the account with my birth date. someone there must have put it in wrong because I know when I was born. they talked to me like a crook and I do not appreciate it. And still to this day I cannot get my password fixed. I also want my premiere account to go back to just the normal student account .Desired Settlement: I want my birth date changed to what it should be 12/12/1960

I want my account unlocked

I want my account changed back to the student account. I am still a student at central [redacted] college in Charlotte NC.

I want all this done ASAP

Business

Response:

This response is to acknowledge receipt of our cardholders communications received from the Revdex.com, regarding case #[redacted]. Higher One is committed to stellar service and takes complaints very seriously.

In the interest of protecting our customer’s confidentiality, we have contacted Ms.[redacted] via separate notification to address her concerns.

If Ms. [redacted] has any further questions, she may contact our Customer Care Management team by calling ###-###-#### Ext. [redacted] Monday - Friday between 8:00 AM and 11:00 PM Eastern Standard Time.

Sincerely,

Review: I went through this company for school. I had an account through them and cancelled once I found that they charge you for fees just to check your balance. I was going to go through them for an account until I found a better local bank. I ordered a card and they did tell me that the card was 20.00 I sent in an email telling them I no longer wished to receive this I was told this card was cancelled I never received the card and now [redacted] is charging me 20.00 for the card that I never received. I am filing the complaint because I shouldnt have to pay for something that I never received. Neither place will take this charge off. I am sick of being ripped off by places.Desired Settlement: I have to pay the 20.00 to get my transcripts from [redacted] one of these places needs to give me the money back.

Business

Response:

This response is to acknowledge receipt of our cardholders communications received from the Revdex.com, regarding case # [redacted]. Higher One is committed to stellar service and takes complaints very seriously.

In the interest of protecting our customer’s confidentiality, we have contacted Ms. [redacted] via separate notification to address her concerns.

If Ms. [redacted] has any further questions, she may contact our Supervisor line directly at [redacted] Ext. [redacted] Monday- Friday between 8:00am and 11:00pm EST.

Sincerely,

SVP, Chief Compliance Officer

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Sincerely,

Review: On 9/27/13 I had blocked a e-check from a company called [redacted] and I had to pay a $24.00 fee. Well that day [redacted] took $403.40 from my checking account#[redacted] and HIGHER ONE refused to help me and told me that they (the company) can keep the money. I paid a $24 stop payment fee for nothing because Higher One refused to help me and instead gave the money to this [redacted] place. When I asked a supervisor for help at 9:15 a.m. cst on 9/27/13 at the phone # for Higher One they told me that I had an agreement with [redacted] and too bad, so sad. I don't understand how a company can charge a $24 stop ach payment fee and then NOT stop the payment?Desired Settlement: I want my $403.40 back and now I want the $24 ach stop payment fee I paid refunded too, Higher One didn't provide the service!

Business

Response:

Dear Mr. [redacted]

We have received your letter from the Revdex.com regarding your Higher One account. Higher One is committed to Stellar Service and we appreciate the opportunity to address your concerns.

Please accept our apologies for the frustrations you experienced regarding the stop payment on your account.

Please rest assured that the stop payment you requested was successful. An ACH stop payment is designed to prevent ACH debits/withdrawals from being paid and unfortunately is unable to prevent a merchant from making an attempt to collect payment on an account. However, the stop payment ensures that the transaction is not paid and is typically returned to the merchant in question on the next business day after the posted date. In addition, any fees triggered by the event are reversed on the same business day as the returned transaction(s).

A single ACH stop payment will block attempts as long as the merchant name and amount entered is a match. You may review your active stop payments online by selecting the Service Requests sub menu located under the Customer Service tab from your homepage. Simply click on the "View Stop Payment History" link on the page that unfolds.

Another option to consider is to change your account number. There is no fee for this request. If you wish to change your account number, please contact Customer Care for assistance.

We apologize for any confusion and hope this information is helpful.

We value your business and want to ensure that you have a positive experience with Higher One. Our Senior Customer Care Manager [redacted] has attempted to call you in an effort to personally review and resolve your inquiry. We understand the importance of your concern and welcome the opportunity to speak with you should you have any unresolved questions.

Please feel free to contact [redacted] directly at [redacted] extension [redacted]. She is available Monday-Friday 8:00 am - 5:00 pm Eastern Standard Time and will be happy to assist you. If more convenient, you may speak with a Supervisor anytime during our normal business hours by calling [redacted] ext. [redacted]. Customer Care is available Monday-Friday, 8:00 a.m. - 11:00 p.m. Eastern Standard Time.

Sincerely,

Sr. Director of Customer Care

Review: This company is forcing me to select their debit card with all their fees. They make it hard for you to receive your monies and are very unclear as to when the monies will be available to you or released. They re state that the better faster option was to have gone with their card and all of their fees, you would atleast have some of your money available. Why is this company allowed to prey on students and student loan applicants? Their customer service is terrible and unable to assist you with anything. This is not a service center, every rep you speak with is a supervisor and a manager. They forget that their title and then offer to escalate you to another supervisor and another manager. And on and on...I still do not have my monies, I did not agree to do business with this company at all. I am being coerced into doing business with this company. We should not be forced to do business with companies. I have the right to choose who I wan to do business withDesired Settlement: I want my student loan monies released to my bank account. I want this complaint forwarded to [redacted] and Higher One so that they are aware that they are making life harder and preying on students. There are hundreds if not thousands of complaints on social media regarding Higher One. Any college institution that is in business with this company is actively hurting and robbing their students. They obviously have a business deal that is in their best interest and not the students. They advertise that they care and are all about options but if you read the fine print and go through the process this is all just one bait and switch operation

Business

Response:

Dear Ms. [redacted],

Review: On February 5th 2015 I paid Higher One 20.00 to replace my wife debit card. I then realized after checking my bank account that I was in fact charged two times for this service resulting in a charge of 40.00 in total. I then notified my wife who attempted various methods to contact Higher One about this charge. All emails were met with canned responses and stated that an "investigation" would be conducted. When attempting to call she was told that someone would call her back, both of these things have not materialized and I am still out my 20.00.Desired Settlement: All I want is my 20.00 returned promptly to my bank account. I understand mistakes happen, but no business has ever taken this long to process a refund. If a resolution cannot be reached I will contact the proper banking authorities.

Business

Response:

This response is to acknowledge receipt of our cardholders communications received from the Revdex.com, regarding case # [redacted]. Higher One is committed to stellar service and takes complaints very seriously.

In the interest of protecting our customer’s confidentiality, we have contacted [redacted] via separate notification to address his concerns.

If [redacted] has any further questions, he may contact our Customer Care Management team by calling [redacted] extension [redacted] Monday - Friday between 8:00 AM and 11:00 PM Eastern Standard Time.

Sincerely,

SVP, Chief Compliance Officer

Review: I have a debit card that declines whenever I try to use it for the last three years. Every time I call they tell me that they don't see any declined transactions on the account. I'm tired of their lies and just want my money out of the account.Desired Settlement: Send me the balance of my account.

Business

Response:

This response is to acknowledge receipt of our cardholders communications received from the Revdex.com, regarding case # [redacted]. Higher One is committed to stellar service and takes complaints very seriously.

In the interest of protecting our customer’s confidentiality, we have contacted [redacted] via separate notification to address her concerns.

If [redacted] has any further questions, she may contact our Customer Care Management team by calling [redacted] Monday - Friday between 8:00 AM and 11:00 PM Eastern Standard Time.

Sincerely,

SVP, Chief Compliance Officer

<

Review: On 08/03/15, I tried to pull money out of a Higher One ATM machine, so as not to incur a fee for using a non affiliated machine. The machine froze and did not disburse the cash, but the money was deducted from my account. I called Higher One and they told me to wait 24 hours and it would clear off. I waited, and it didn't. I called Higher One again and they told me I had to submit a claim and it would "only" take ten business days to investigate it. The refund would take a few more days. The refund, however, is contingent upon what their "investigation" finds. I used to work at a bank, and it was common practice when something like this happened, to give the customer a provisional credit in the meantime. Higher One has refused to do so. Initially, I had wanted to transfer my funds to my personal checking account at my local bank. I went through the whole process of entering my bank information and Higher One said I would receive three small deposits to verify my account. Those deposits never came, which is why I had to use their ATM to withdraw cash.Desired Settlement: I would like to receive a provision credit to my account while Higher One conducts their investigation.

Business

Response:

This response is to acknowledge receipt of our cardholders communications received from the Revdex.com, regarding case # [redacted]. Higher One is committed to stellar service and takes complaints very seriously.

Review: I attend [redacted] University. I use higher one for my financial aid disbursements. I have not received my second disbursement from higher one. They are keeping my money for their own financial gain.. They claim they are holding my money until January. They have no right to do so...I need my money I have obligations to take care of... January is another semester for [redacted].. What's suppose to happen when next semester comes and they tell me they need to hold that money until next semester or they hope I forget about it.... Last year they took 500 dollars from my sister.. They would not investigate because they no they took that money.. and she's not the only student where money has been taken from their higher one account...They are trying to take my money not acceptable anymore for them to get away with this.....Desired Settlement: I want my money due to me right away

Business

Response:

Review: I started school in August 2009 under my maiden name, got married in September 2009. Provided my name change with my University in 2009 and they said they would give my information to Higher One and have them send me a new card with my new name, they even said I would have to pay a fee to get a new card. Here we are in 2015, I just enrolled again with my University for the Master's program. I received an e-mail from [redacted] on October 2, 2015 (Reference ID: [redacted]) saying that they have mailed me a refund check and is expected to arrive in 5-7 days by [redacted] at the following address: (MY CORRECT ADDRESS). The refund check was never received, so I tried to login on [redacted].com and was unable to login because after I graduated in 2013 I cancelled my service with them. So, I called Higher One, and the lady I spoke with was extremely rude, I gave her all my information, and she said she could not find me in the system. I gave her my full social security number, and she yelled at me and said I gave her an incorrect name! As a solution, I had to send in a copy of my marriage license and government issued ID to them. I have yet to received closure with this issue, I received an email saying that if my issue has not been resolved, please reply, and it gave me lines to put the reply in, but the format is set up so you cannot alter the email at all. It also gave a link "To access your question from our support site, click here." I clicked, and it said: Permission denied, you do not have permission to access this document." As of November 15, 2015 I do not have my refund, nor any confirmation that anything is being resolved.Desired Settlement: I need my name changed, and the refund that is legally mine.

Business

Response:

Review: My university (University of [redacted]) has partnered with Higher One to process student loans. After 2 semesters of using them, I and many students I know are very dissatisfied with their outrageous fees. Higher One charges a fee everytime you use their card at a non Higher One ATMs or non Higher One institutions. The only ATM I can use to avoid fees are available on Campus Union Building and they are closed on weekends. Please go to Higher One website higherone.com and look at their outrageous Fee Schedule, it is a ripoff for students because many of them struggle to make ends meet. Also, please look at Higher One reviews on the internet and you'll see how dissatisfied customers are with their services. All the reviews I read gave only 1 star out of 5 and some wished there were a negative star to choose.

Thank you for your time.Desired Settlement: Just normal fees like all other known banks have. Or better yet, do away with Higher One all together and use a better rating bank such as Arvest, Bank of America, First security. There are so many good banks out there and I don't understand why our university has made this poor choice in selecting this bank.

Business

Response:

This response is to acknowledge receipt of our cardholders communications received from the Revdex.com, regarding case # [redacted]. Higher One is committed to stellar service and takes complaints very seriously.

Review: I am writing to you as I have a complaint about the service I have had with your institution recently. It began in November as I lost my job; therefore lost my internet. I recently was able to get my internet back. As a result I was bomb barded with emails from you because of an overdraft/delinquent account fee. I called the customer service number to explain why I not paid this fee only to find out that you do not send letter as you are an electronic bank only. However the CSR informed me that I had to request the fee to be reversed as a one- time courtesy. The lady had mentioned also that the fee would be waived it just had to be approved by a supervisor. Within a couple of days I had a response saying that it would not be waived. I was very surprised! Therefore, I am requesting that my account be closed as I can no longer be associated with a company that is dishonest with their customers. I will also be talking with [redacted] Community College about this policy of no letters. I have always thought before a fee can be applied that I must be notified. If I was allowed to receive a letter; this fee would have never gone this far and I would not be a unsatisfied former customer. I understand the purpose of the card; however, I find it to be unfair practices to be charged a fee that I am not aware of. I felt as a business you would send a letter to inform me so that this matter would be resolved. I did contact you for assistance and was given the wrong information stating that my fee would be refunded. I am still asking for a refund by the way. I thought that we have to be notified in writing of any fees by law.Since I lost my job and therefore lost my internet I would have expected- as a good business practice- a letter of some sort alerting me to the fee. Since this is part of my college refunds and every penny counts as a college student, this would have been taking care much sooner had I know. I was also not aware of your policy to sent emails and not letters for issues such as this.

Desired Settlement: DesiredSettlementID: Refund

I would like my $50.00 fee refunded.

Business

Response:

Business Response /* (1000, 5, 2013/04/05) */

Dear Mr. [redacted],

Thank you for your letter regarding the Delinquent Account fee. Higher One is committed to stellar service and we appreciate the opportunity to make the following response.

I apologize for any miscommunication when contacting Customer Care for assistance. We do send electronic communication via email as well as phone call attempts to customers with an overdrawn balance.

The $50.00 Delinquent Account fee is incurred when an account is negative 45 consecutive days and for $5.00 or more.

However, we understand your concerns and have credited back the fee to your account as a one-time courtesy. Your account has also been closed as requested and an official check for the remaining balance, $50.44, mailed to your primary address on file.

We hope this is helpful. Should you have any additional questions or concerns, please feel free to call the Supervisor line directly at XXX-XXX-XXXX ext. 5031. Customer Care is available Monday-Friday, 8:00 a.m. - 11:00 p.m. Eastern Standard Time and is always happy to assist you.

We regret any inconvenience this may have caused.

Sincerely,

Sr. Director of Customer Care

Review: I tried to transfer money into my higher one account from another bank. Higherone said they could complete the transaction because the account information I provided was incorrect. However with that same account information they wetter e able to make deposits into my account to verify the account. They can't answer how they can access my account but can't transfer money. And my account was also placed on a security watch list as well. And no one seemed to know why. Or how to get my account off of the security watch list. Because the transfer I set up never went through I have incurred overdraft fees for a transaction I was trying to fund my account for. I've been going in circles with their customer service with their automated responses and have gotten no where.Desired Settlement: Dismiss fees my account has occurred surrounding this incident

Business

Response:

Dear [redacted],

Thank you for your letter regarding your recent experience with Higher One, Inc. We are committed to stellar service and appreciate the opportunity to respond.

We regret to hear of the difficulties you experienced with setting up external transfer accounts.

You have the ability to deposit funds from another checking or savings account, which is in your name, to your Higher One Account. This is referred to as 'funding' your Higher One Account. Unfortunately we can only accept transfers to your Higher One Account using a standard bank account – prepaid debit cards and credit cards are not supported for Higher One transfers. Due to this fact your transfer in was rejected and your account was placed on the Security Watch List.

The statement you sent us from your [redacted] Serve card, account ending in [redacted], does not match the information we requested regarding the bounced transfer account – an [redacted] card ending in [redacted] that you provided to us via EasyHelp ticket # [redacted]. In order to remove you from the Security Watch List you would be required to provide the most recent statement from your [redacted] card ending in [redacted]. However, if you prefer your account to be closed at this time we would be happy to assist you with that as well.

We apologize for the miscommunication regarding your account. As a courtesy we have refunded you two overdraft fees of $38.00 each and an additional $5.95 to bring your account to a positive status.

We have sent you an email via EasyHelp incident number [redacted] in regards to how to proceed with your account. Please reply at your earliest convenience and we will address your concerns promptly.

In the interim, if you have any further questions please do not hesitate to reach out to a Supervisor with any questions or concerns regarding this process. You may reach a Supervisor directly by calling ###-###-####, Monday – Friday between 8:00 AM and 11:00 PM Eastern Time.

Sincerely,

Sr. Director, Customer Care

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. I would like to move forward with closing my account. The necessary steps can be sent via here or my email.

Sincerely,

Review: My school released my funds to my bank account on January 20, 2016. I had to call to confirm this because this "bank" was claiming that they cannot give my money to me until "all paperwork was received". As I just mentioned it was. I borrowed this money and need to pay it back in the end. I also need it to get the things necessary for me to be successful in school. Higher One has not put my money into my account 7 days later.

This isn't the first time. They are consistently late with the financial aid payments with the same exact untrue excuse. They advertise this as "same day deposit" so it needs to be same day. Not only that, but when my account was overdrawn 4 dollars, they made a point to send me an email about it every single time I went to check if my refund was deposited. If they can do that then why not just put the money in the account? It was more than enough to pay off 4 dollars. It isn't fair that I have to be behind my semester by almost 4 weeks before I can buy my books because these people are holding the money which I borrowed and need to pay back. That money was supposed to pay for childcare, my books and other necessities for my classes.Desired Settlement: I want this bank to do what it advertises it will do. Deposit my funds into my account and stop holding on to them. I had already been approached by other students to file legal complaints. If these shady practices continue I guess they have a point. Letting us use our debit cards (which is what they are labeled as) as debit cards without charging us .50 per transaction would be nice too, but I realize that's a stretch.

Consumer

Response:

The dispute with this company has been resolved as I have received my refund finally. Thank you very much

Review: I have over 5,000 dollars in student loans issued to me by the federal government. The money was issued to me in August, it is still not here October 17th. I know Higher One waits for you not to ask for your money before they will send it. They told me they wait for you to "default" before they send out a check. They were ordered by the federal government to return 11 million dollars to students and pay fines for unlawful business practices. Yet they they have an A on your website. They are thieves who try to charge you money for their services, if you do not use their services, They hold your money for as long as they can. The fees where determined by the government to be illegal.Desired Settlement: I would like my money, and I would like their grade to be lowered. Illegally charging money is wrong, withholding money from an individual is wrong.

Business

Response:

Dear [redacted],

Review: On Saturday night my card was refused service. I logged on to website and say that everything was "unavailable and please try again in 10 mins.". This was very embarrassing as I have money on my account. I couldn't use my account for the entire night. Thank God I had cash. They have no customer service on the weekend which is fine. However, when I am denied access to my money and have no way of contacting anybody of what is going on with my money this is unacceptable. If I fail to keep a positive balance, they would charge me immediately. All I wanted was an answer for them holding my money hostage. I complained on their [redacted] page and received a canned response that had nothing to do with this issue. I kept complaining until I received a personalize response and they told me it was a card issue. When there are other complaints about Higher One not letting other use their money. This is a complete breach of our business agreement.Desired Settlement: I would like to know why their customer service dept is so lacking. I can't contact them in case of emergency and they don't even read the issues. I want to know why there was a service outage. I want to know why they failed to keep their side of our business agreement after years of service. I want to know why they feel they can keep my money and not tell me why.

Business

Response:

Dear

Mr. [redacted],

We

have received your letter from the Revdex.com and appreciate the

opportunity to respond.

We

apologize for the frustration you experienced regarding your funds

availability, as well as the misinformation you received regarding the reason

you were unable to access your funds.

The

evening of December 6, 2014 our banking server encountered an error when

attempting to communicate with [redacted]. This resulted in increased

spending limit restrictions for our cardholders, and caused your card to be

rejected. We apologize for any inconvenience this has caused you.

We

are pleased that your card functionality has been restored, and would like to

assure you that your correspondence with our Customer Care department will be

reviewed for quality assurance.

A

Customer Care Manager has attempted to reach you via telephone and via email on

December 8, 2014 and again December 10, 2014; however has so far been

unsuccessful. If you would like to discuss this matter further, please

feel free to contact or Supervisor line directly by calling ###-###-#### Monday through Friday between the hours of 8:00 AM and 11:00 PM EDT.

Sincerely,

Consumer

Response:

Review: [redacted]

I am rejecting this response because: They accused me of having NSF in my account and they never addressed the issue of their CSRs blaming me for the error or straight up denying it happened at all.

Sincerely,

Business

Response:

Dear Mr. [redacted],

We have received your rebuttal to our Revdex.com

response and apologize that you found it unsatisfactory. Per your

request, we have sent further correspondence to you via [redacted] Incident # [redacted].

If you have any further questions or concerns, please do not

hesitate to contact me directly at ###-###-####.

Sincerely,

Review: I'm a Full Time college student and I applied for financial aid because I am in need. However since I took 10 courses over the fall and spring I ran out of financial aid and had to pay for my own summer courses. When I decided to take the summer off I dropped my summer classes and the college issued me a refund. Higher One charged me $60 in fees and gave me the remainder. I didn't know that I would be charged so many fees on a College refund card. Obviously since I am on financial aid I don't need a card that is going to charge me 60 in fees. I called customer service and the first person transferred me and then the person she transferred me to hung up on me. So, I had to call back, wait on hold and talk to someone else. The last person I spoke with stated that they didn't have overdraft or didn't allow overdrafts yet they charged insufficient fees of over $30. I was not told about these fees and the company that attempted to withdraw money from my account twice I had already given them a new payment method but they didn't use it until the third attempt at billing me. I was waiting for my refund to pay for my bills over the summer and now over 60 dollars has been taken.Desired Settlement: Reverse the fees on my account. I'm already in a bind and I need the money to survive on until the fall.

Business

Response:

This response is to acknowledge receipt of our cardholders communications received from the Revdex.com, regarding case # [redacted]. Higher One is committed to stellar service and takes complaints very seriously.