I have been with Perkstreet for over a year now. We recently moved to a new house and decided to have new debit cards shipped to the new address since our magnetic strips were failing. I told the customer service agent that we need to change the address on the account to the new address. I received a new card but my wife never received her card.
About a week after I received my new card I called Perkstreet and was told that my account was frozen. Two documents were needed to be faxed to have the account unfrozen. When asked if I could email the documents I was told that they are not able to accept the documents by email. The agent's general demeanor was rude.
A couple days later I called again to verify the documents that needed to be faxed. The agent was very pleasant and worked with his supervisor to cut through the red tape so I thought. He told me that because Perkstreet made the error I will not need to supply the documents and he will call me back by Tuesday to make sure the account was unfrozen.
Wednesday comes with no call so I decided to call them back for the fourth time. Once again the agent was very pleasant but told me that my account was still frozen. After explaining what the other agent told me she said that they still need documents faxed. I asked her if I can email the documents to which she said "of course, we have these emailed all the time". I scanned and emailed the required documents to the address she gave me. I asked her if I could speak with a supervisor. She told me that the supervisors are in meetings but she can have a supervisor contact me within 24 hours. My issues are:
1. Perkstreet did not change our address correctly
2. The second agent was rude and refused to accept email
3. The third agent misled me and never followed up
4. A supervisor did not contact me
5. My account is still frozen... I have no issue with security procedures but the level of customer service is very poor. Once unfrozen I will be closing my account.
I deposited $50 to open an account to use at a later time and I checked back after some months later and almost all of it was gone! $4.50/mo. for inactivity fee! Could not believe it. All they had to do was hold my money. guess they couldn't resist taking it from me while I was not looking. Will never bank here again.
Perkstreet account holders, beware! Make sure that when you contact the bank to close your account, you also tell them to close your debit card and cancel overdraft protection.
Failure to do so in my case resulted in a debit card transaction being honored after I requested closure of my Perkstreet checking account because the overdraft protection was still in force and the debit card was still active - despite my checking account being "closed"!! I had called Perkstreet's customer service to close my checking account. During the course of this telephone conversation, Perkstreet's rep did not tell me I needed to close the debit card and cancel overdraft protection as well. I didn't know any better, and assumed that a closed account meant everything pertaining to the checking account was closed, including debit card and overdraft protection.
After I requested closure of my checking account, Perkstreet paid an online purchase transaction of -$75.00, then hit my account for a -$32.00 non-sufficient funds fee which put my checking account a total of -$107.00 in the hole. Somehow, my Perkstreet debit card had become the default payment method for my health insurance company's mail-order prescription service. It had not been the default previously, and I have no idea how the change occurred. Or maybe I did change it awhile back to earn more Perks and I just plain forgot. I'm not sure.
So now Perkstreet wants me to send them $107.00 to put the account balance back to zero. I'm not inclined to do so, seeing as how I lost $97.00 in Perks Rewards when they announced the bank's closure. However, I was told today by Perkstreet customer service that if I do not deposit the $107.00 then my account will remain open and future purchases would be honored. There's nothing quite like feeling your credit score is being held hostage by a dishonest bank. :/