Higher One, Inc.

Review: I had three atm charges which were not mine they half as investigated this claim said the money was taken ou and that it is my responsibility .. No kidding money was taken out these are not my charges. They think because they are in 1000 miles away ill just roll over and take it .. sorry I wont. These 3 transactions are absolutely not mine09/18/2015ATM Withdrawal[redacted]Non-Higher One ATM Cash Withdrawal at [redacted] on 09/18-$202.5009/21/2015ATM Withdrawal[redacted]Non-Higher One ATM Cash Withdrawal at [redacted] on 09/21-$202.50Desired Settlement: I did not make these charges .. this is baloney, I did not receive a fair evaluation of my claim iwant the courtesy of knowing higher one is looking out for me when I have been a victim of fraud09/21/2015ATM Withdrawal[redacted]Non-Higher One ATM Cash Withdrawal at [redacted] on 09/21-$202.50

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 purchased items from [redacted] for a total of $46.17 on 10/30/2013. [redacted] charged my debit card through Higher One, Inc. five times. The charges are $46.17 on 10/30/13 and, $6.38, $6.38, $39.79, $39.79 all on 11/01/13. The charges totaling $138.51 for a $46.17. I spoke with [redacted] on 11/01 and they apologized for the mishap but would need to speak to my card provider because they would be the ones releasing my funds. I was conferenced in a phone call with [redacted] and Higher One on 11/01 where they were having an issue because [redacted] could only provide them with the first 4 of my card and last 4 of my card numbers but Higher One needed more information. We had a supervisor from Higher One approve that that information would suffice. [redacted] faxed over the required information. I then called Higher One back and was told it was denied due to lack of information. I then called [redacted] back (same day) and was conferenced in again with Higher One. [redacted] agreed to fax over to separate documents with the card information on it so that would have all the card numbers they needed so [redacted] faxed. I called Higher One and they said they never received the fax and attached a hold release form for me to complete to release the funds. I complete the form and send it in then call the company back (11/04/13) only to find out my account does not qualify for this form. I was then told by higher funding the funds would be released 5 days after they were put on my account. It is now 11/06/2013 and the funds still have not been put on my account. I just want my money back.Desired Settlement: I want the funds that are owed to me. I was charged $138.51 for a $46.17 charge. So I would like a refund of $92.34. Please and thank you.

Business

Response:

Dear [redacted],

Cannot believe that students are forced to deal with this institution! There is a 50 cent fee for every debit transaction, horrible customer service and a delay to get your money while they review the account. It is advertised that if you deal with this company instead of your regular bank then you will receive it on the same day. THIS IS FALSE!!! I am hung up in their "document review" which is completely bogus!!!! They received my money and are holding onto it just fine without a review. I would never have dealt with them if I had known the advertising of same day fund availability was a lie.

Review: I have contacted higher ne several times with trying to get myself verified. I sent in several documents and still could not get verified by them. Finally I just had the account closed. When Higher One received my school refund they told me that there was a restriction on my account and they would not give me my funds. I have spoken with several different reps, several different times with no help at all. I informed them that I would like to have my funds sent to me by check and they continue to give me the run-around. They are currently withholding federal funds that belong to me.Desired Settlement: I would like my $2,008.00 school refund sent out to me immediately. I do not want to do business with this company and I certainly do not want an account with them.

Business

Response:

Review: I recently went back to school and had to contact Higher One for a new card with new name, since I had divorced and re married since my last contact with them. First they refused to help me because I wasn't able to verify my phone number from 3 years ago although I was able to identify every other piece of info. Finally I found my old number and this very rude woman named [redacted] said I had to send in my complete divorce decree, ID, new marriage license, and ssn. So I spent my time and $20 to fax this all. Several days later on 8-3-15 I spoke with [redacted] again and again she was very rude and said they don't have it and I have no choice but to send it again. I demanded the info to file a Revdex.com complaint. She refused to give it to me. I demand it again, she transfered me to another lady named April who miraculously found my fax after I threatened a Revdex.com complaint. However, she lied several times. She told me that I did not need the complete divorce papers only the page with the name change, so I wasted $20 sending the complete divorce papers, when I only needed one. But then she calls me back and said she needed a new page with the judge signature. Why? Then she says my id is to dark and send it again. Then said a small corner was missing and send it AGAIN. Then said they didn't get my marriage license even tho the fax said they did. Then to send it again. Then a completely new manager calls me and said to send it AGAIN. So I sent another one AGAIN and a close up as well. I called them 8-4-15 and April was not available so another lady said ohhhh we didn't get it. BULL. I have the screenshot proving it attached and went thru. So I said I'm done I'm filing my complaint. I hung up on the operator. Well April called me less than 5 minutes later and guess what she found it. But now it's not good enough having it laying on the table I have to tape it to my fridge or the wall and send it AGAIN!! This is BULL!!! I demand my name change and new card as I've sent PLENTY of proof and I demand a FULL REFUND of the fax cost and all the time I've wasted on the phone!!Desired Settlement: I demand my name change completion and the new card and a full reimbursement for the fax cost and my time, which had been hours with this as shoddy, HORRIBLE THE WORST COMPANY EVER

Business

Response:

Review: I was approved for and granted financial aid from [redacted] who then forwarded my account to Higher One who was responsible for delivering my refund in the form of an online checking account with attached credit card. I am the victim of domestic violence and stalking so I am an a stat run program which requires federal programs or programs backed with federal funds to use my dedicated P.O. BOX as my mailing address. This leaves my physical address confidential to protect myself and my family. The program is known as the [redacted]. I sent all documentation to Higher One supporting this including my [redacted] identification card and a letter from the [redacted] explaining the program. I also sent my birth certificate, social security card, and marriage license to explain my name changes and why I am using two different names. The reason being that utility bills are public record and I can be tracked through them by my abuser. I use my middle name and maiden name on my utility bill. This is the only thing I have which is actually mailed to my physical address. I do not have a home phone. I am not registered with the postal system as per the [redacted] program requirements. I explained all of this through numerous phone calls to the [redacted] as they kept denying my documents claiming I did not meet federal guidelines for their program. As secondary evidence I also sent them a copy of an envelope mailed through the post office by the [redacted] to my physical address. They still claimed I had not presented sufficient documentation. I have a bank account with another bank so I do not understand why the documentation is not sufficient. I finally went to my financial aid office at [redacted] for assistance. They are resending all of the documentation I have previously sent and calling Higher One on my behalf. I was also told by Higher One that I could choose instead to have my funds sent to another checking account for this quarter which began on March 30, 2015 but I was informed by [redacted] that this would not take effect until the next quarter so I still had no access to the federal funds which had been awarded to me. The final frustration came when I received and email from Higher One this morning claiming I read in an email this morning that my checking account had been closed because I had failed to respond to their requests for documentation which was a complete untruth. I have been in constant contact with them sending more and more documentation and requesting help through their call center representatives including speaking with a supervisor on two separate occasions.

I hope you can assist me in resolving this matter.

Sincerely,

Bobbie [redacted]Desired Settlement: I would like for Higher One to respect my safety and the authority of the [redacted] and accept my documentation for the checking account or offer me another feasible alternative which would deliver my funds in a timely matter. The quarter is completing its first week and I still have no funds to buy necessary items including books or to support myself as I attend school.

Business

Response:

Review: I am being charged to replace a lost or stolen card and I do not agree with this policy. TO my knowledge there is not other credit card company that charges this fee. I believe I am being wrongfully penalized for the loss of a card. and they will not work with me on this Fee.Desired Settlement: refunding of the 20.00 fee for the replacement card.

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 the Supervisor line

directly by calling ###-###-#### Monday - Friday between the hours of 8:00am

– 11:00pm EST.

Sincerely,

Tami

T[redacted]

Senior

Director, Call Center Operations

Consumer

Response:

Higher one waived this fee for me.

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: I have been an account holder with higher one since 8/9/2012; as long as I have been an account holder Ive accumulated more fees with them then I have received with another bank. My year to date insufficient funds fee is $333.00 and my YTD paid item fees are 0.00. This bank is offering services that they are not providing. This bank advertise the paid items fee saying that if something came through your account with no funds they will cover the item and charge you a 38.00 paid item fee. I call in to this bank on 10/22/2014 because a check came through my account on 10/14/2014 as a ACH Converted Check 2010 Check Converted to Electronic Payment to HOLIDAY STA 0130 ELEC CHECK-$20.00 it wasnt enough money in my account to cover this check and When I checked my account that day I receive a text message alert saying that my balance was $1.28. Like any other bank when an ACH or electronic payment is pending on your account you should be able to see it because it is electronic. Well with is bank they are not notifying people that their balance is negative. If I would have seen that check coming through my account I would have made a deposit or transferred funds from by Boyfriends higher one account. They are not giving their customer a chance to avoid the fee. They are notifying us after the transaction is done and over with and when the fee post. I know you can see paper checks pending but electronic you should be able to see it. The rep I spoke with on 10/22//2014 she could explain why I wasnt able to see it pending and why I received the text message giving me a positive balance. She didnt really know anything about this account. She was saying things like Im not sure or you should look online. After talking with her for 20 mins I requested a supervisor. When I was transfer to her she didnt know anything either I told her that I need help understanding how this account works. She stated look online I asked her the same questions I asked the first rep she said she didnt know. I feel that saying I dont know without attempting to research and find the answer is unacceptable. After I spoke with her I didnt get the help I requested so I asked to speak to her manager. Once I got transferred I in the middle of me explain my situation she hung up on me. The service Ive been receiving from high one bank has been poor they lack knowledge and they just dont care. With us being a customer there will be times we need some help and guidance and we trust this bank whit our money. This is the bank that all colleges are using for student refunds and thats why I feel like they are ripping us off because we dont have another bank of choice we could use/we are limited to them and them only. I have my whole paycheck going into this over 3000.00 a month. So I know I am generating some bank revenue. Now I am writing you for help I have the calls recorded and Im upset with them because they are charging us (students) All these fees and cant explain why. That 20.00 check cost me a 38.00 fee from the 30.00 fee from holiday and another 38.00 fee from them for returning both payments. When if I was notified accordingly I those would have been avoided because I would have made a transfer. This is from their fee schedule on their website Insufficient Funds Fee Returned Item or Paid Item(No insufficient funds fees on card transactions)First item (for lifetime of the account): $29.00All additional items: $38.00You have spent more money than you have available in your OneAccount Premier by making payments via an e-check, paper check, or via ACH. The maximum number of insufficient funds fee/unavailable funds fee returned item or paid item charged is up to 3 per day. The same item may be submitted multiple times to your account. You will not be charged this fee when your end of day account balance is overdrawn by $5.00 or less.The majority of account holders never pay an insufficient funds fee. To ensure you're among them, sign up for our Mobile Alerts, track your purchases and pay special attention to purchases made with an e-check or a paper check, and via ACH.Desired Settlement: I want my money back, they false advertise and they dont try to educate their customers-letting them know how to us the account all they are worried about are the fees they are tacking up on college students. I am requesting the full amount $333.00 to be credited back to my account and I would like to close that account some kind of way. They are telling us to setup alerts to help us with monitoring; that dont work because they are sending the wrong information through. I can send proof alerts

Business

Response:

Dear [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.

We regret to hear of the frustrations you experienced regarding

your recent account activity.

On 10/08/2014, an ACH transaction was presented to your account in

the amount of $20.00. Your balance at the time was $1.28. This item was

returned as unpaid and the insufficient funds fee was assessed as per the

published fee schedule.

If

an ACH payment or a check is presented against an insufficient balance, the

insufficient funds fee is assessed. Unfortunately, we are unable to prevent

merchants from attempting to withdraw funds from your account. We do recommend

that account holders maintain a personal balance ledger to track spending as it

occurs. This practice will assist in preventing future overdrafts so that

you do not provide your account number or checks for payment without sufficient

funds in your account.

We

apologize for your negative experience when calling Customer Care for

assistance. Please rest assured that your calls will be reviewed for quality

assurance.

On

November 6, 2014 you spoke with our Customer Care Manager [redacted] who

discussed these points and went over your account with you. She additionally

refunded two $38.00 insufficient funds fees as a courtesy. We are pleased

to hear that at this time your concerns have been resolved.

If

you have any additional questions, please feel free to call Judy directly at

###-###-#### Monday-Friday from 2:30 p.m. – 11:30 p.m. Eastern

Standard Time. Additionally, Customer Care is available at ###-###-####

Monday-Friday, 8:00 a.m. - 11:00 p.m. Eastern Standard Time and is also always

happy to assist you.

We

hope this explanation has been helpful and appreciate your continued business.

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.

Sincerely,

Review: This bank deals with refunds from my college. They have my refund in the amount 347.63 and say that I need to get their atm/credit card to get it issued to me. I DO not want their services I do not want their card. They have given me the run around on two seperate occasions about processing and a paper check will be sent after 21 days. I paid this fee with my own bank/ atm card and want my money back. They told me if I don't get their card there is a waiting time of 210 days before they send me a paper check. I do not feel they should be able to keep my money or force me into taking their services.Desired Settlement: The college released my refund to them in the amount of 347.63 on Feb. 4. It is my money and I desire it be sent to me.

Business

Response:

Dear Mr. [redacted],

Review: I contacted Higher One customer service to explain I was being charged ATM Fees on an account with no other options to withdraw funds. The customer service rep explained I should go to the school campus to withdraw funds without a fee. Our campus at [redacted] University has "no" ATM of any kind on campus. I request all ATM fees be reimbursed as there was no mention of the fees when I was asked to sign up for the card and no mention there was no ATM available to use without being charged a fee. Please simply credit my account the total amount of ATM Fees charged for simply withdrawing funds.Desired Settlement: Refund all ATM fees assessed to my account from the date of issue.

Business

Response:

Dear Mr. [redacted],

Review: I was notified by Higher One that my account with them would be closing in 14 days from Oct. 6, 2015. I had a transaction that caused my account to go into a negative status and they said they had a limit on how may insufficient funds fees you were allowed to have on the account. However, my account over the past 2 years has never remained in this status for long periods of time. My payroll check was deposited 10/9/15 and my funds were restricted from use after I resolved the negative balance. I contacted the bank and they said that my card was restricted and will be lifted the next business day. I was told that by a representative as well as receiving email notification from the bank. It was not until I called the bank 10/12/15 and spoke to a manager as was told that my card was suspended indefinitely. At this point, my money has remained tied up. I opened a new account on 10/16/15 and wrote a check for the remaining funds on my account with Higher One and since it would be closing I figured my account would be free and clear with them and that would be it. The supervisor told me that the account would actually close on 10/20/15. I felt that was fine and that way my deposit would clear with my new bank and I would close my Higher One account and they would not owe me a refund. Because they decided to close my account before the 14th day, it has caused my check to bounce and now my funds are in negative at my new bank and now I have no funds to live off of. They would not wire the funds or even overnight a check to me due being that I have nothing to live off of. I will now have to wait 15 more days to resolve this issue with my new bank as well as incur unnecessary fees that could have been avoided if they would have agreed to what they said they were going to do. I've had this account for 2 yrs and have been a good customer, but this has really inconvenienced me and has put me and my family in a bad situation. I have children and have to borrow money just to get to and from work knowing all along I have money to use but can't because they are not accomodating. This is an unfair banking practice and not to mention the countless fees I've incurred for every debit card transaction that they've collected off the money I earned. No one should have to experience this and I hope in the very near future that learning institutions will get away from using Higher One due to their unfair and illegal practices.Desired Settlement: I would like in addition to receiving my refund in a expedited manner but I would also like to be paid for the fees I've incurred due to their incompetence of $800. This will resolve the banking fees I've had to pay as well as for the inconvenience this has caused me.

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.

This is by far the worse bank in the United States. I have been banking with them since 2007 and they are not for their customers. On January 16 I filed a claim with them for unauthorized charges from [redacted] in the amount of $1142.00. I have not received a provisional credit as of yet. They advised that if they have not resolved the claim by the 10th business day that I would receive a provisional credit. As this is the time frame that they give. Not true. I disputed charges with [redacted] from this same bank one was in the amount of $229.10 and the other in the amount of $95.37. Both provisional credits were issued before the 10th business day and still. On 12/30/2015 I created a claim for [redacted] stating that I was charged for services that were cancelled, on 01/04/2016 I was giving a provisional credit. Then I created another claim on 01/12/2016 for $95.37 and on 01/13/2016 a provisional credit was issued. No one sent me email requesting further information. No on 01/16/2016 I created a claim for unauthorized charges of $1142.00 and I received an email today stating that they needed more information as they see that there was a charge from [redacted] and [redacted] and they wanted to know if I had any receipts proving that I was in Las Vegas. I do not as that was the reason that I used my card instead of cash. The unauthorized charge is from [redacted]. These are not the same. I have uploaded documents to my account as requested. This is funny because they have never asked me anything regarding [redacted] and previous purchases made using my debit card for [redacted]. This bank has been involved in so many class action lawsuits and they still do not have their customers best interest. Please stay away from this bank at all cost. Today I called and spoke with Jannice M[redacted] at ext. 5091 that continue to repeat that they are working diligently but couldn't tell me how they were working on this issue. I asked to be transferred to a supervisor and she then identified herself as one and then I asked her for her contact information and she stated that she was a Resolution Specialist and I then stated that I thought that she stated that she was a supervisor and she stated oh she is and a Specialist is considered a supervisor. This is an inconvenience to me as my car is about to be repossessed as I am unable to make the payment due to this and my finance company stated that they have never heard of a dispute taking this long and usually a bank gives you your money right away.

Review: As a student in a jr. college I am faced with many economical issues along with health issues . I am sad to say Higher One is not committed to help students with helping us get the better services to get our financial aid disburstements. They pride themselves in helping us get our refunds on our accounts without any problems and they create more obstacles to get quality customer service. I am appalled and enraged that they are the fees they are charging for wiring funds to another account are outrages, the fees for insufficient funds are outrageous , and the fee for loss or stolen cards are ridiculously high. I would think as a company who prides themselves to help student manage their money they are taking advantage of over price fees we at times have no control because as students we only depend of disbursements from financial aid to further our education. I am extremely dissapointed that while I was calling for assistance on the customer service ti took several people to talk to before I could get a clear and reasonable answer to card being replaced. The amount was 20 dollars wich I find way much to pay for a replacement. I had tto wire money to another account because it would take a whole week not days to mail the replacement that amount of the wire transfer was 25 not to mentioned 15 from [redacted] in order for me to pay my rent. I had used their account to pay a bill on their website which was 60 dollars and they charge me a returned fee which enraged me that they would wait until I had no funds to processed the payment very sketchy on their part knowing they had already been having issues they had not resolved and yet they had time to charge my card immediately for the fee of the replacement card and the fee for the wire transfer to [redacted]. I am willing to pay for the 60 dollars and returned fee of insufficients funds, but I will not pay for the extra 87 dollars they want to overcharge . I ask that you investigate why their fees are not clearly explained, why they froze my account on numerous times without my consent when I was away from my hometown. They are the worst company I have ever entrusted my money with. As a student how is it we can rely and trust such shady and uncooperative companies who prey on poor student like myself with very to no income to further our education. I ask that you please investigate the such and contact me as soon as your most convenient time allows. Thank you.

[redacted]Desired Settlement: I wish to have my fees modified in a manner that is fair two both parties, I am willing to pay the 104 dollars I originally owed and not a cent more furter more I want a explanation by a professional supervisor on how this will be avoided in the future. I want to know what they can do to remedy the fact they left my account frozen more than once while I was away from my hometown without my consent or further explanation.

Business

Response:

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

Review: I paid for classes at [redacted] with a personal credit card. They issue refunds by a company Higher One. (which I did not give them permission to give my personal information to) The company has been late in issuing the refund card. They send you in a circle of automated, unanswered phone system. I have received numerous emails, which state to not reply, the emails are not excepted. Contact information does not work. I am due $804.00 that I am currently paying interest on, on my Credit card and that I feel should have been returned on the credit card rather that going though a third party company.Desired Settlement: I wish to get my $804.00 returned immediately. I do not like being forced into using a company that I do not know anything about and was not aware that I would have to use. My personal information was given to this company without my knowledge.

Business

Response:

Dear Ms. [redacted]

Review: On February 6, 2015 I initiated a complaint with Higher One regarding a company, [redacted], and a transaction that occurred with them. The reference number for this complaint is [redacted]. I had purchased a book on January 15, 2015 and they charged my Higher One Debit card. However, the book that I received was not the book that was ordered. I immediately contacted [redacted] and I got the address to return the book. They told me that they would issue a refund when the book was received. I have a [redacted] confirmation that they received the book on February 5, 2015. However they never issued a refund. After I initiated my dispute with Higher One I both faxed supporting documents as well as uploaded various supporting documents to their online portal. On March 2, 2015 I received their decision stating that they were denying my claim and that in their opinion, the services were rendered as agreed. However, this response from them shows that they did not appropriately investigate my claim and actually reviewed the documents that I provided. If they did, they would have seen that not only did the company send the wrong book, but they lied about receiving the returned item, as is shown in their response to my Higher One claim and disproven by the [redacted] receipt. Higher One did not provide appropriate account servicing and they have failed to protect my account against unauthorized transactions.Desired Settlement: I would like the refund of the disputed transaction.

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: My account was closed today and the company can not tell me why. They just said thatHigher one reviewed my account and they decided to end business with me for no reason. Plus it took them about an hour and 3 transfers to just tell me the same thing. No one knows anything. I have had this account for 4 years to get my money for school and now Higher one does not want to give me any information plus no on can help me.Desired Settlement: I would like my account to be re-opened since there is no apparent reason it was closed, also would like my dispute (claim #[redacted]) processed since I can not get in contact with a company that shipped me merchandise and [redacted] failed to respond about my inquiry.

Business

Response:

Review: I made a deposit into my account yesterday. Then made an eft transaction. I woke up this morning the deposit had cleared but the eft transaction had yet to clear. I checked my account again around noon and the eft had cleared and my account balance was at $68.98. I had a dentist appointment and paid $25.00, again I checked after this transaction and my account was at $43.98.This afternoon around 5:00pm I get an email from higher one that I was being charged a $29.00 nsf. The company had rearranged the the eft to come before the deposit after the fact and returned the transaction and charged me the $29.00 fee. I will now owe a fee to the company I made the eft transaction to as well. This is nothing but theft.Desired Settlement: 29.00 credited back to my account and higher one to cover any charges that may come up due to this.

Business

Response:

Review: I got my school check from [redacted] and over nighted my check to higher one banks. like they asked me to. TRhey told me it my funds would be in my account no longer then two busness days. I sent my check in on June the 2nd 2014 and it is now June 12th and still my account has not been credited any of my check. now they come back with it will not be until june 16th unless the can contack the maker of the check to see if funds have [redacted]ed their bank so I called the bank and they side Mrs. [redacted] the funds was cashed on June 6th for 1843.00$$ but still I have got them from this so called bank Higher One. I call them 3 times a day my lights are being cut off for 852.73 on this friday june 13th because Higher one will not give me my money that is mine I have dozens of email fromm me to them but yet again still they will not release my my money I even asked them to send my check back and they will not do thatDesired Settlement: Since My lights are being cut off because they choice not give me money I feel like they should pay my light bill of $852.73 and the reconnect fee since me and my children have to be without lights,gas and water the whole weekend

Business

Response:

Dear Ms. [redacted],

Review: I've been waiting for a month and a week for a credit card that I still don't have. By this happening it put me in debt and when I told one of the workers this over the phone they laughed at me and that's so unprofessional. When I talk to a supervisor they claim they could not help me or give me anything. I ordered the card over five times and still don't have my money.Desired Settlement: I feel I should get a payment of some kind for not receiving my card and falling in debt as well I been trying to get a wire and it's not allowing me too. I've been calling for a month and a week now and only thing I been receiving is bad service.

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: Higher One charges unreasonable fees for the services it provides to Colleges and Universities and only lists its Fee Statements on the bottom of pages hidden so College Students whom are just learning about finances end up being taken to the cleaners by unjustified and unreasonable fees. Many schools even act as though they are Higher One and the company allows this; having a third party bank distribute and manage Student Aid Funds when it is a for profit entity and its entire purpose is to make money off of that money is not a legitimate business practice. Over my time of using Higher One I have been charged high fees; such high fees that it has actually caused me (a college student who's only income is student aid and social security funds. I have only ever asked for two fees to be refunded however after this last year of being charged per month for a short time and now multiple 38 dollar overdraft fees for a small balance I have had enough.Desired Settlement: I would like the fees refunded and the balance reset to what it should be -4.61. Also considering that I have had to waste my time in dealing with this matter that should have never happened to begin with I would like my balance reset to zero. After all my few months of a monthly fee for service I did not use much should be enough to cover that four dollar balance.

Business

Response:

Dear [redacted],