Higher One, Inc. Registered Agent: Paul A. HughesThomas Kavanaugh (Secretary)Marc Sheinbaum (CEO)Christopher Wolf (CFO) Willful and Wanton Misconduct - I demand my funds returned New Haven Connecticut
Formal Complaint against: Company: Higher One 115 Munson Street New Haven CT 06511.
My Following Call Log to Higher One: (27 total calls)
February 2, 2015; 9:53 a.m.
February 2, 2015; 3:52 p.m.
February 2, 2015; 4:43 p.m.
February 2, 2015; 6:30 p.m.
February 2, 2015; 7:36 p.m.
February 2, 2015 (faxed notarized letter sent to Higher One with ID verification per their request to unlock account)
February 3, 2015; 8:10 a.m.
Fax sent again to confirm receipt of notarized letter of ID verification per their request to unlock account.
February 3, 2015; 11:29 a.m.
February 3, 2015; 12:48 p.m.
February 3, 2015; 12:56 p.m.
February 3, 2015; 1:35 p.m.
February 3, 2015; 6:12 p.m.
February 4, 2015; 10:02 a.m.
February 4, 2015; 12:17 p.m.
February 5, 2015; 10:01 a.m.
February 5, 2015; 12:19 p.m.
February 5, 2015 12:50 p.m.
February 5, 2015; 4:30 p.m.
February 5, 2015 5:56 p.m.
February 6, 2015; 8:17 a.m.
February 6, 2015; 10:59 a.m.
February 6, 2015; 11:55 a.m.
February 6, 2015; 1:04 p.m.
February 6, 2015; 1:52 p.m.
February 6, 2015; 2:00 p.m.Faxed Notarized letter for the third time per Higher One Request to unlock account immediately
February 6, 2015; 3:08 p.m.
February 6, 2015; 4:00 p.m. Attorney Faxed Demand letter to release funds, unlock account and fees replacement of NSF fees
February 6, 2015; 4:00 p.m. faxed notarized letter for the fourth time because Higher One requested
February 6, 2015; 4:28 p.m. (hung up on)
February 6, 2015; 4:29 p.m. (hung up on)
February 6, 2015; 4:40 p.m. (hung up on)
February 6, 2015 5:22 p.m. (supervisor called back and advised that account was closed- no reason given)
Email Correspondences from Higher One:
February 2, 2015: Confirm your email address
February 3, 2015: Password Reset Confirmation
February 3, 2015: Request to change email address
February 3, 2015: They sent a new password to unlock the account
February 3, 2015: Higher One updated email and passwords according to email
February 3, 2015: Sent email requiring to update security passcode to account
February 3, 2015: Higher One forced to change account from “normal” to “high” security
February 3, 2015: Higher One said P.O. Box was not acceptable and had to change to residential address.
February 3, 2015: Higher One requested that he add mobile alert
February 3, 2015: NSF fee for check $ 100.00 #2070- available fund balance is positive 447.18 and added 38.00 for return fee. (meanwhile having money in the bank, Higher One returned check)
February 3, 2015: Permission to discuss with wife email confirmation.
February 3, 2015: Federal Income Tax refund deposited for over 6,000.00.
February 4, 2015: receipt of email that an account number change was in processing for compromised account.
February 4, 2015: NSF fee for check $ 52.15 # 2071- available funds 381.28 (positive) and added 38.00 for return fee ( meanwhile having money in the bank, Higher One returned check)
February 5, 2015: Letter requested to present to merchants that the account was locked and in processing to change account number (never received letter)
February 5, 2015: Confirmation of Alert Removal of account. (checking and debit card still locked to access money)
February 5, 2015: NSF ACH $47.31 (automatic ACH per month for auto insurance) subject to lapsing insurance due to this error and locked access to monies. 38.00 charge for NSF return, available positive balance of $6,520.88.
February 6, 2015: Incident regarding request for support. The status was changed to SOLVED. However, account still locked and cannot gain access to monies.
February 6, 2015: Email regarding “Change Account Number/ Alert Removal” at 9:29 a.m. and 10:21 a.m.
List of false misleading uninformative supervisor that led me to believe for over four days my account number would be changed and monies available upon processing include:
Shirley, Maylene, Laura, Ruby De Leon, Elizabeth, Rabihuh, Jennifer, April, Theresa.
February 6, 2015 after 5:20 p.m. was advised the senior account manager Judy Keller 1-203-776-7776; ext. 4285; that there was nothing that could be done. After a week of review and being jerked around, Higher One never change my fund to another account. They decided after the week was over after hours, that my account would be closed and it would take 5-7 business days to get my funds. They still owe me $38.00 NSF fees and for three return check funds to the merchants totaling $105.00. I have went all the way up the ladder, including but not limited to, the Registered Agent of Higher One to get my money. I faxed a request to their registered agent via facsimile and email on February 6, 2015, Paul A. Hughes, by and through, Wiggin and Dana at fax: 203-782-2889 and phughes@wiggin.com. However, I have hit a brick wall. I was told by Judy Keller on Friday afternoon that my account is not approved, I will never have services with Higher One again and I cannot open a new account. Needless to say, this was not my fault. However, I have been in a financial hardship. I have been humiliated, forced to work arrangements out with my upcoming bills; subject to lose my auto insurance; went to family members to borrow money until I can get my money and damaging my creditability. This is defaming my good name and an extreme hardship for a father that has lack sufficient funds to feed his family since Monday. It is now Saturday February 7, 2015 and I have been told my “account will be in review for Monday and “if” they approve my release of fund, my money will either be sent overnight which could be up to Wednesday or worse case scenario from 5-7 business days. Although, I have a State of South Carolina refund expected to be direct deposited on February 9, 2015 in the amount of $410.00. Currently, my account is still not officially closed and I was told that money can still be incoming and deposited. Thus, the willful and wanton neglect of this company has necessitated me to report Higher One, Inc. I am looking to file a formal U.S. District Court actions against this company as soon as possible.
As of February 7, 2015 Higher One, Inc. owes me: $6,606.19 + $38.00 + $105.00 (to pay to merchants) Total: $6,749.19
On February 9, 2015 upon delivery of my state tax return should it go through the account: I am owed $7,159.19.
In addition to any late fees that this company has caused for non- access to my monies to pay my current bills.
Please note: I have all the correspondence, call logs and verifications to back up my formal complaint. Should anyone else be interested in filing actions with me, email is (((redacted)))