If you are considering to open a miles checking account at UFB Direct because of the Miles program, please, read this first:
I found this bank because they give you miles when you open your checking and savings accounts and when you use the debit card. I thought that the website was great and customer service was awesome......until... I actually opened the account.
On the second month with them, there was a massive theft in the Railey's store in Sparks, many people got their card numbers stolen in there. Two of my cards (from different banks) got stolen in this theft (in different days) and people in Spain starting using my both cards in the same day.
Right away, my other bank called me and blocked the charges. They never went through. They sent me a new card that was here within 3 days.
In another hand, UFBDirect let THREE charges from these same people in Spain to go through, PLUS international fees and ONLY AFTERWARDS, they blocked my card. I had called right away to report the theft and they said that there was nothing they could do besides letting the charges to go through. The charges went through 5 days AFTER I reported the theft, they let some thieves in Spain to take almost all my money!
UFB Direct's policy, in fact, lets the fraudulent charges to go through to only afterwards investigate. They also said that these investigations could take up to 90 days for being international. It was pretty obvious that I was not in Spain, all other charges that week were in town.
The nightmare didn't stop there! When we called to complain about holding my money and the rudeness of their customer service, they blocked Greg's card also. In other words, they were going to leave BOTH of us without any money for 90 days and any card for 10 days (which BTW became 18 days)! This is ABSURD!
So, I decided to write a letter to the supervisor. They became all apologetic and refunded our money and gave us $50.00 extra for their mistake of cancelling Greg's card also (which was never compromised!). However, there was nothing they could do to ship my card earlier, not even if I paid the shipping! They simply don't care. I wonder if they do that to slow down our miles.
When my card finally arrived, 18 DAYS AFTER I REPORTED IT STOLEN, I tried to buy an airline ticket and get miles with the purchase, of course, that was the whole point! However, the card didn't go through because they put a limit on how much I can spend per day and it was not enough to buy my ticket.
I do understand having security limits, those are supposed to be for protection of the CLIENT. So if I call and tell them what I am doing, they will release this cap just for this purchase right? WRONG!
I called the customer service and told them my situation. I need to buy a ticket and I would like them to release my limit of my debit card only for the day so I can do so. After all, this is a DEBIT CARD, not credit. I will be using my money, not theirs. The guy who answered the phone was extremely dry with me and told me "absolutely not"!
My husband couldn't believe it when I told him and decided to call again and ask the same question and explain that this is only a debit card and we should be able to access our money. The customer service representative said:
- "Absolutely not! If you want to buy a ticket, you can take cash in the ATM (no miles) and put it in a pre-paid WalMart card and buy your ticket with that! But you won't be able to buy your ticket directly with UFB Direct card. And if you don't like it, find another bank!"
In other words, don't count on earning miles by purchasing airline tickets or other big purchases because they won't go through at all.
So, I am posting this here so you can think twice before using this bank, which I am cancelling BTW. This is the biggest SCAM and they get out of their way to slow down your miles and if your card ever gets stolen, they will protect the thieves better than their own clients and you will have to fight to be able to see your money before the stupid 90 days investigations. Yes, you will receive a new card, all right!? But it will take almost all month long to arrive in your hands because they drag their feet, so it's a month wasted if you are counting on earning miles with gasoline and groceries. Don't ever get rid of your other bank!
I was impressed by their website and customers service in the beginning, this is why I felt comfortable signing up. But after you actually do it, you get extremely rude people on the phone that get out of their way to make your life tough. It's like they think that their "friends" are only the potential new clients, but their own clients are enemies. They might receive a very backwards training.
Even when I got my card stolen in Brasil in 2010 (another bank), it didn't take more than 4 days for me to receive a new card. Yet, UFBDirect made Greg and I to stay 18 days without any cards! And his card wasn't even compromised! Fine, they gave us 50.00 for this "mistake", but I had to raise hell for this.
Now I don't even see the point of having this mileage checking account if I can't buy my ticket or anything big with it, it's worthless to me. Besides, they take 18 days to give you another card when stolen, imagine if I had a problem in Brazil? They would leave me without card and without money overseas for 3 months while they release my money to the thieves. No other bank would EVER do that to you.
Monday, July 15, 2013
Friday, July 12, 2013
Saturday, July 6, 2013
19 YEARS OF YOUR RENO LOCAL PEST CONTROL COMPANY
19 years of our LOCAL PEST CONTROL COMPANY! Reno, Sparks, Carson City, Tahoe. Thanks to you our loving customers and friends! We are so blessed to have such wonderful people in our lives!
The phone has changed since this ad. Now it is:
Visit our website: www.statewidepest.com
Wednesday, June 12, 2013
The Law of Karma
I find it extremely annoying and disrespectful that other pest control companies have the guts to come to my company's blog and try to advertise their company. I will be deleting and blocking these users and also reporting them as spammers.
But unfortunately I can't do anything to avoid their karma. Whatever you give out comes back to you multiplied. Always! So I find it hard to believe that someone like this would ever find spiritual prosperity. Lack and limitation will keep coming to you until you decide to find your own customers and not "steal" things from others.
Thursday, May 23, 2013
Couplehood - "The Journal of the Bugsman's Wife"
Don't
know if it is my accent that is specially heavy these days since I'm so
tired, or if it is Greg needing some hearing aids.
I said:
- The preparation of today determines the achievement of tomorrow
And he said:
- What? The PREPARATION H will be active tomorrow?
ahahhahahhaha
Livia Jepsen
I said:
- The preparation of today determines the achievement of tomorrow
And he said:
- What? The PREPARATION H will be active tomorrow?
ahahhahahhaha
Livia Jepsen
Friday, March 29, 2013
NATURAL PESTICIDES FOR BED BUGS - "The Journal of the Bugsman's Wife"
I am all for natural, as much as I can. I like to control insects in a way that it's safe for the Earth and the environment. But we still offer both types of treatments (natural and traditional) at Statewide Termite & Pest Control, Inc. But why? I will tell you why...
As much as they are safe, and I use them very often in my house and carry my little spray bottle with a mix of geranium, peppermint and cedar oils when I travel, naturals are not as effective as the prescription stuff, and that's a bummer for nature-freaks like me!
A new article came out this month at the PCT Magazine. They tested all chemicals against bed bugs, including the natural ones, and they are still very ineffective in comparison with other chemicals. EcoRaider and Bed Bug Patrol showed to be promising, but still not even close to the regular products.
For that reason we maintain both options to the clients. If they would like to go natural in their home, like me, they should know that it may not be as effective for certain insects. The actual chemicals will get rid of bugs more effectively. Temprid SC caused 100% mortality of bed bugs in only 3 days during the tests, while the natural products showed mortality of less than 50% in 10 days. That difference is huge.
I will say, I am a VERY natural girl, I prefer everything natural in my diet, my cosmetics, my cleaning products AND my pest control. But, if one day I saw a bed bug or a cockroach that my hubby accidentally brought home from one of his jobs, I would say: "THE HECK WITH THE NATURALS, HONEY, GET THIS BUG OUT OF HERE RIGHT NOW! USE AN ATOMIC BOMB IF YOU NEED TO!"
OK! I am just kidding with the atomic bomb part, after all, I am still the same Brazilian-Italian since last time you heard from me, so drama still lives around here. We talk with our hands!
But the point is, as much as I love Earth and nature, I really don't want to cause resistance in tough insects such as cockroaches. I want them out of here. These bugs are so resistant that I fear one day they may control this planet if we are not careful LOL. Matter of fact, I've read about a few tests in the past that showed that roaches may even be the only life in this planet to survive atomic bombs!
So here is my opinion, talk to your family and decide. If you prefer naturals, use them every time you can. If you are able to get the insects of your area under control, this is awesome. If they are still not as gone as you would like, opt for the real chemical during the first clean-out treatment, and then ask for the natural ones only for maintenance. We offer both types and will be glad to help you in any way you feel comfortable with.
But if I am using organic essential oils, why not to do it myself? - That's a great question. You may buy it yourself if you would like. The problem I found with that is that essential oils are extremely expensive and we need a tremendous quantity of them to get rid of bugs. You may find yourself spending a huge amount of money to make half of the job that a licensed pest control company can do for much less, buying them by the gallon with a license.
Either you are opting for chemicals or naturals, the maintenance price is the same, $85.00 per quarter (for an average size home). You won't be able to do it that cheap if you do the natural oils yourself. Besides the part that it may suck to go into a crawl space, etc.
And if you prefer chemicals, of course, you won't be able to buy them at all because the stuff that you buy over the shelf is not the same concentration and sometimes not even the same chemical, because they require a license and training to be used. Some products over the shelf may even cause resistance in the insects, because they need to be safe to be used by the household without training or license, so they may kill only the weak bugs and leave the strong ones to multiply and create a much stronger civilization, btw, resistant to your over-the-shelf product. OMG! Deus me livre! CALL A LICENSED, DUDE! PLEEEASE!
If you have questions or concerns give us a call and we will be glad to help. We are your LOCAL PEST CONTROL for almost 20 years! The oldest one in Reno/Sparks/Tahoe area! Yeeepie! Call us at (775) 425-4343 and talk to my hubby Greg Jepsen, the exterminator and he can answer all your questions.
Lots of Love to you and may you have a mice-free day!
Livia Jepsen
The Bugsman's Wife
www.statewidepest.com
As much as they are safe, and I use them very often in my house and carry my little spray bottle with a mix of geranium, peppermint and cedar oils when I travel, naturals are not as effective as the prescription stuff, and that's a bummer for nature-freaks like me!
A new article came out this month at the PCT Magazine. They tested all chemicals against bed bugs, including the natural ones, and they are still very ineffective in comparison with other chemicals. EcoRaider and Bed Bug Patrol showed to be promising, but still not even close to the regular products.
For that reason we maintain both options to the clients. If they would like to go natural in their home, like me, they should know that it may not be as effective for certain insects. The actual chemicals will get rid of bugs more effectively. Temprid SC caused 100% mortality of bed bugs in only 3 days during the tests, while the natural products showed mortality of less than 50% in 10 days. That difference is huge.
I will say, I am a VERY natural girl, I prefer everything natural in my diet, my cosmetics, my cleaning products AND my pest control. But, if one day I saw a bed bug or a cockroach that my hubby accidentally brought home from one of his jobs, I would say: "THE HECK WITH THE NATURALS, HONEY, GET THIS BUG OUT OF HERE RIGHT NOW! USE AN ATOMIC BOMB IF YOU NEED TO!"
OK! I am just kidding with the atomic bomb part, after all, I am still the same Brazilian-Italian since last time you heard from me, so drama still lives around here. We talk with our hands!
But the point is, as much as I love Earth and nature, I really don't want to cause resistance in tough insects such as cockroaches. I want them out of here. These bugs are so resistant that I fear one day they may control this planet if we are not careful LOL. Matter of fact, I've read about a few tests in the past that showed that roaches may even be the only life in this planet to survive atomic bombs!
So here is my opinion, talk to your family and decide. If you prefer naturals, use them every time you can. If you are able to get the insects of your area under control, this is awesome. If they are still not as gone as you would like, opt for the real chemical during the first clean-out treatment, and then ask for the natural ones only for maintenance. We offer both types and will be glad to help you in any way you feel comfortable with.
But if I am using organic essential oils, why not to do it myself? - That's a great question. You may buy it yourself if you would like. The problem I found with that is that essential oils are extremely expensive and we need a tremendous quantity of them to get rid of bugs. You may find yourself spending a huge amount of money to make half of the job that a licensed pest control company can do for much less, buying them by the gallon with a license.
Either you are opting for chemicals or naturals, the maintenance price is the same, $85.00 per quarter (for an average size home). You won't be able to do it that cheap if you do the natural oils yourself. Besides the part that it may suck to go into a crawl space, etc.
And if you prefer chemicals, of course, you won't be able to buy them at all because the stuff that you buy over the shelf is not the same concentration and sometimes not even the same chemical, because they require a license and training to be used. Some products over the shelf may even cause resistance in the insects, because they need to be safe to be used by the household without training or license, so they may kill only the weak bugs and leave the strong ones to multiply and create a much stronger civilization, btw, resistant to your over-the-shelf product. OMG! Deus me livre! CALL A LICENSED, DUDE! PLEEEASE!
If you have questions or concerns give us a call and we will be glad to help. We are your LOCAL PEST CONTROL for almost 20 years! The oldest one in Reno/Sparks/Tahoe area! Yeeepie! Call us at (775) 425-4343 and talk to my hubby Greg Jepsen, the exterminator and he can answer all your questions.
Lots of Love to you and may you have a mice-free day!
Livia Jepsen
The Bugsman's Wife
www.statewidepest.com
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