Flex pay Eligibility
I have been a customer of HSN since 2012. I recently made a purchase on flex pay with no problems. This past weekend I made another purchase on flex pay, or so I thought. I logged into my account to check the status of the order and discovered that it was canceled. The money had already been debited from my bank account. I figured that maybe I had accidentally canceled it myself but I chose to wait and deal with it later due to being too busy at the moment, I homeschool my four children. A day later I log back into my bank account to see if the money had been credited back to my account. It had not so I called HSN customer service and was told that the order was canceled due to flex pay eligibility. I was taken completely by surprise. The rep said that she didn’t know why and that I should be able to purchase a lot more due to my good history with them and the length of time that I have been a customer or I should say that she agreed with me and was also confused. She sounded very sympathetic and apologetic. I was given a number to call their Flex Pay department and their verification department. So I called the flex pay dept. first. I was told that they didn’t have access to my personal info and therefore could not tell me why I am not eligible for flexpay. The item I was trying to purchase was a Playstation 4 with 4 flex payments of $144.00. When I paid the initial amount I was charged $194.00. Now I have to wait another 72 hours for my money to be released back into my account. It has already been three days. I am more upset and disheartened because I could always depend on them, especially during Christmas. Now I am afraid that I might not be able to get my son what he really really has his heart set on. I have even ordered some games elsewhere for the Playstation 4 . I never would have foresaw being done like this after being a loyal customer to HSN. It is a shameful way to treat a good customer. I understand that businesses have to be careful with how they give out credit, that is responsible and smart. I still think that they should at least look at each customers account and history seperate from other outside factors. Just because a person gets in a situation with another company that is completely separate from any other accounts that person has is no reason to treat them as unworthy and a risk. Every situation is different. Unfortunately, when it comes to finances and credit worthiness, it is not seen in that light.
I too was done the same way,but make matters worse I ordered a hoaverboard got approved for that then I received it it was not what I had ordered so before sending it back I ordered the right one had the $156.00 taken out of my credit card in the mean time my 12year Nephew has been waiting since Christmas all on a mistake that was done by them! I just hope when they receive the one I return that I’m able to finally get my little Nephew his wish come true!!! I guess I don’t blame HSN in a way,I have a few dark clouds on my credit history and all because of a Step Daughter that got a hold of my credit cards and much more.They do have friendly Customer Service!!!
I do not mean to be bitter, I am just a little upset about how some businesses do not seem to have any policies in place for customer loyalty. The world would be a better place if we all tried to be more gracious,and understanding that sometimes people get into situations that are of no fault of their own.One situation does not make another. I also understand that being done wrong more than two times is reason to be cautious, but that same level of suspension and caution seems uncalled for when you have been consistent in making flexpay payments on time, give or take a couple of payments that were, at the most, two days late. The letter that I recieved in the mail today really did open my eyes to the realities of how some businesses seem to have no courtesy to loyal customers. Maybe HSN is just trying to protect themselves due to all of the fraud and instability of todays economy, that is perfectly understandable. I know that God has already been so good to my family this season and I have no doubt that He will continue to make a way when things get tough.
lisa… I can’t wear these kinds of shoes at all. The heel is too high, there is no ankle support, my heels also slip out when walking in these kinds of shoes and, besides all that, these must be the ugliest shoes I’ve ever seen! *lol*
Posted in Customer Service
08.20.15 4:30 PM