I know there is already a topic on this but I couldn't comment. Here is my current dilemma. I started using Bluebird because on Nov 2012 because I needed an account for direct deposit for a new job and I did not have an account at that time. I've never had a problem (I've since gotten accounts with traditional banks and credit union and stayed with BB because I got my check 1-2 days early). Nov 15 someone charged $3562 to Majestic Resorts. I didn't become aware of it until Nov 20 because I hadn't used my card and knew the balance ($60). For some reason I did a check and saw the negative $3500 balance. I immediately called and filed a fraud case. They said it would take up to 10 days to get information to me as well as a new card (Dec 3). Nov 22 I received an email with declaration of fraud paperwork. I filled it out and sent it back within an hour. I called Nov 23 to insure they have the paperwork. I was told by the fraud dept that they have until Dec 3 (10 days from report) to give me a status. Dec 2 I received my new card. Since it was late I decided to call this morning to check status. When I checked my mobile app, the account was locked. I foolishly assumed it was because of the fraud and new card. Called in and received "your account is permanently suspended, we sent you an email. Goodbye" Checked the email, and it basically said due to the negative balance I violated terms of condition and my account was permanently suspended. I have to write a letter to dispute it. Mind you, i have an ACTIVE fraud investigation (which they now say can take up to 45 days). Right after that, I received an email regarding account support with a different number. Called and they couldn't give me ANY information except write the letter, investigation ongoing. They email the "back office" and I will receive an email in 1-2 business days. But they can't give me any information beyond that. I have changed my direct deposit but it ales up to 2 pay cycles to take effect. So guaranteed that at least 2 paychecks have been lost. BB is NOT working with me at all. They claim they can't even see where the payment went to other than the name, like what I see. I am so livid and I'm convinced that they are going to give me the run around and make it so difficult that I give up. Someone posted on the previous thread that someone will help you legally and it charge a lot. Does anyone remember that or any advise? I am beyond livid. Not only did this take Thanksgiving groceries from my family but now we are talk g about Christmas.
I asked when I initially reported it. Their response was that it was an online transaction "no one knows how they do this stuff". I reminded them that I have had online purchases declined for lack of funds. I've also had then deny approval at Walmart when the funds are there. And then I have to approve the transaction before they unlock my card. I am at Walmart almost daily. When I asked again why they approved a $3500+ transaction when there was a balance of $60 they could not provide an answer. I told them this was their fault for not denying the charge and allowing it to go through.
I just received an email stating the dismissed my dispute and it was a legitimate transaction. I am mailing a letter on Monday. But this is just straight stealing from me by American Express. Any idea how to join the class action suit against them?