When you set up an automated debit with account now visa apparently no one tells you that they can mess your car insurance! Apparently though you have the funds to clear an automatic payment transaction, Account now Visa will decline the card to the merchant. I set up a debit of 42.50 to be taken out of my account with Geico. I had initially set it up at the Geico site with my account now visa card and the funds were removed the same day. I had set it up instantly and the amount debited showed up on the statement immediately. Now all of a sudden the second attempt was submitted and the card came back declined when clearly there was over amount in US dollars in the account to cover this $42.50. Account now visa gave me this BS explanation and transaction # to assure that the funds were already removed. I never saw it on my statement as pending either. I talked to 3 separate people because I did not want to over draw the account if the payment had not been posted. Consequently, I had used the card for other transactions since they had assured me that the funds were removed.

Now not only has my account been overdrawn but my insurance is still not paid. Am I to blaim for possible cancellation of my insurance because Account Now has idiotic practices on handling automated payments. Clearly they have this rules encrypted in invisible ink to us the customer of their dismal practices. In addition if you out source your customer service could they at least speak English fluently my goodness. They must have thought I was stupid because when I asked to speak to their supervisor the same woman I talked to pretends to be the supervisor and proceeded with the same BS. In a nut shell they lost a good paying customer. You will not be taking my 9.95 a month fee thank you.

In the beginning of May, 2008 I contacted my credit card company (Account Now Visa) and advised them that someone used my credit card without my permission, they said they would investigate and I would hear from they in 30 days, in 30 days I received a letter stating that they couldn't do anything because someone also used my pin number, that was that.

This is July 11th, it is also Friday, I discovered at 2:30pm that account now froze my funds, I called a total of 8 times, Customer Service said the person that froze the accoount, did so because of my complaint in MAY, since then I have mad regular payments, so I cannot for the world understand WHY HAVE THEY FROZE MY ACCOUNT?

No one calls you back, they say they will, but they don't, they keep putting me on hold, I got this card so I don't carry cash, I have no way to get gas, to buy food, I am in real trouble and I told them, I told them I want my money, I answered all their security questions, but they just say someone will call.