I live in Canada. I filled out a convenience(inconvenience)cheque for more than my “cash limit”; I did not realize that there was a difference between my “cash limit” and “credit limit”. Needless to say the cheque would not go through and I received a letter stating such. I called and asked for my money to be refunded and they stated that they deducted what I owed on my credit card and would issue me a cheque for the balance.
I told them that that was unacceptable because I needed the money for cash flow purposes (I always pay off my credit card every month and it wasn’t due for another 3 weeks). They also told me that it would take 15-30days to issue me a cheque. They did not tell me that I shouldn’t use my credit card until they issued me a cheque so I continued to use my credit card. I received a phone call approximately 4 days later informing me of this. They then told me that they would be deducting my further purchases from my positive credit balance thus decreasing my refund.
I wasn’t too happy but what more could I do? So I called the customer service number 10 days later and then they told me that there was a problem writing me a refund cheque because they wanted proof that it was me who wrote the cheque. Now I am really mad!!! The supervisor asked me what bank I wrote the cheque from so I told him; he said that should be suffice. I called again the next day and was told that that information wasn’t good enough that I needed a bank statement to prove that it came from my bank account(this was on a Friday). Monday morning I faxed a copy of my bank statement as requested.
That same afternoon I called to find out if they had received my fax and to find out the status of my refund cheque. They still didn’t have an answer for me and stated that they hadn’t heard back from the financing department and that they would send them another email. I told them that that wasn’t good enough and that I wanted a cheque sent out today! I further stated that in this day and age with technology the way it is that there is no excuse for the delay. I further told them that I felt like I was being treated as a criminal because during one conversation they stated that they had to prevent “money laundering”.
It has now been almost a month and I still do not know the status of my refund cheque and I had to borrow money in order to cover the original cheque as the cheque was for a significant amount of money. I spoke to many customer service representatives, 2 supervisors and 1 manager of supervisors and I am expecting a call from the manager of operations on Wednesday. I demanded to speak to the CEO but they would not give me a phone number.
I told them how incompetent they were and that their customer service was very poor. I further informed them that I would be destroying my credit card once this ordeal is over with, I would be speaking to the manager of my local Walmart and that I would be telling everybody about my experience with their company.
I would advise anybody considering getting a Walmart credit card “DON’T DO IT”!!!