FDIC The Bancorp Bank Complete Fraud - Asked for an earned credit - instead they took my money. Austin, Texas

I applied for my card and when I activated it, I had used a referral code that a friend gave me that he just got and there was no chance that anybody else used. I put the referral code in (it never came up as already used / inactive / etc) and transferred $10 onto the card. The promotion was supposed to be for $5 free when you transferred over your first $10 - basically making for first monthly charge waived. I would NOT have activated the card yet if it wasn't for the referral code.

After not seeing a credit applied to my account, I used their customer service email. 48 hours later and no response. I called customer service and got someone with a very hard to understand accent, so I'm guessing it was an international call center.. I explained the situation, told her the referral code - then she said the code was already used. But then she backtracked and said it was already used on my account (my one and only account - first time new customer) but couldn't come up with a rational explanation about where the $5 was. Then she continued to tell me that I was still ineligible for the promotion even though nothing in the fine print (I read these things very carefully) claimed I was not eligible.

Each week with paypal, I move 1/3 of my money to my bank account. Which leaves the other 2/3s available for me to use on my actual paypal credit / debit card. I thought this would be a good way to move 300 - 500 weekly instantly to a card with a low monthly charge so I could have a backup debit card to use for emergencies and to also make sure that money wouldn't be accessible by my real PayPal credit / debit card.

As an online seller, I've had to deal with many call centers. Every now and then, I get an experience that is 'eh', but I've always hung up the phone satisfied and more knowledgeable about whatever it was that I was calling about. This though, was by far, the worst experience I ever had. I was so perplexed about the runaround that I was getting that I actually asked them to close the card immediately - keep the little bit of money that was still on it - just close it so I wouldn't have to deal with the company anymore.ch apparently they can't do until I spend the paltry amount of money on it - and then I have to call them back, which is the worst part)

I always view the staff as representing the company as a whole. The foreign woman I dealt with was rude, consistently interrupted me and spoke over me, condescending, hard to understand, etc. I stayed calm throughout the phone call, never said anything rude, just tried to ask my questions. Making a couple of grand a week selling online, $5 isn't important to me. The concept of good customer service is though - especially with people that I'm trusting my money to.