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Five Doubts About Lowes Credit Card Customer Service You Should Clarify | lowes credit card customer service


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Want a $100 allowance agenda on the cheap? This anniversary one for Best Buy was activity for $95. A Bed, Bath and Beyond allowance agenda account $100 could be had for $94, and a GameStop card, $91. All were actuality offered for auction on the website Cardpool.com.

Cardpool has bought and awash discounted allowance cards for years, but in the aftermost three years the Irving, Texas, aggregation has racked up about 2,200 chump complaints, according to the Better Business Bureau, which gave the close its everyman rating, an “F.” With complaints arising in every state, the agency issued a civic admonishing about Cardpool on Dec. 15.

Cardpool is a gift-card barter that operates alongside the multibillion-dollar gift- and reloadable-card industry. Here’s how exchanges work: Consumers advertise concrete allowance cards or cyberbanking allowance cards with bedevilled balances and aggregate beneath than the cards’ absolute value. Added bodies beat up the exceptionable cards that are priced at a discount. The barter — activity as a abettor — takes a cut of anniversary transaction.

Save 25% aback you join AARP and accept in Automatic Renewal for aboriginal year. Get burning admission to discounts, programs, services, and the advice you allegation to account every breadth of your life.

In 2019, an estimated $255.3 billion was loaded on allowance cards and reloadable cards in the U.S.

The analysis into the Cardpool complaints was spearheaded by the Better Business Agency Serving North Central Texas, whose arena includes Cardpool’s headquarters. “When a allowance agenda is not new, you … run the accident of not accepting what you bargained for,” warns Monica Horton, a Better Business Agency abettor there.


In Virginia, retiree Lou Ann Rimel, 68, is amid consumers who appear actuality austere by Cardpool. “I won’t use them again, and if anybody asks me, I’m activity to acquaint them I didn’t accept absolute adventures of late,” the retired teacher’s abettor told AARP.

For years she and her bedmate relied on Cardpool to breeze up cheaper-than-face-value Home Depot and Lowe’s allowance cards — afterwards a hitch. But a few years ago, she paid Cardpool about $93 for a $100 Lowe’s allowance agenda that didn’t assignment and aback she complained to the company, she was stone-walled. “It wasn’t pleasant,” she recalled. “I spent a lot of time aggravating to get in blow and they artlessly wouldn’t respond.” 

 “The barter is a acceptable premise, but aback it doesn’t assignment out, it doesn’t assignment out” 

Outside Pasadena, California, Maggie Chatman, 63, is addition affronted ex-customer. “The barter is a acceptable premise, but aback it doesn’t assignment out, it doesn’t assignment out,” said Chatman, a retired account coordinator for the Los Angeles Department of Water and Power. She praises Capital One Visa for giving her a $92 acclaim afterwards she spent that abundant on a abandoned $100 Kohl’s agenda — and Cardpool banned to antithesis her, she said.

Cardpool is activity out of business, a aggregation official told AARP. “We are in the action of shutting it down, aggravating to complete all the awaiting transactions,” David S. Jones said in a account emailed Dec. 31. Its website still was up and active as of Jan. 6 with annihilation on the home folio alerting barter to an approaching closure.

Addressing Cardpool’s issues, Jones abhorrent a array of alien factors including coast revenues due to the pandemic. Unhappy barter Rimel and Chatman, though, said their unsatisfactory affairs occurred afore the coronavirus struck. At the Better Business Bureau, Horton said complaints about Cardpool started spiking in 2018 and haven’t slowed down.

Jones additionally abhorrent Cardpool’s challenges on:


Jones beneath to say how abounding millions and additionally abandoned added aftereffect questions from AARP.

To absolve federal communicable relief, the CARES Act became law on March 27, 2020. Under its Paycheck Protection Program (PPP), Cardpool LLC was accustomed for a $426,000 accommodation on April 10, the website www.FederalPay.org says. 

Courtesy Monica Horton

Monica Horton, a Better Business Agency abettor in Texas.

The accommodation money is for businesses to pay for workers’ salaries, rent, utilities and added key costs to break afloat. 

Jones said the accommodation “provided abutment for a abbreviate aeon and was not abundant to advice the aggregation affected the 90 percent bead in acquirement due to COVID.” Added than 30 advisers accept absent their jobs, he said.


Jones’ own accomplished statements reflect that Cardpool’s issues predated the pandemic. In a account adventure aboriginal in 2020, he is quoted as adage Cardpool had had some bad reviews the above-mentioned year, but the armpit now has new management. “For anyone who had a bad experience, I appetite them to apperceive that those chump account issues accept been fixed,” Jones told nbcnews.com in the adventure acquaint aftermost Jan. 28. 

The adventure calls Jones the CEO of Cardpool. He beneath to accord AARP his title. In filings he active for the Texas Secretary of Accompaniment in 2019, the best contempo available, he alleged himself Cardpool’s registered agent.

In his email Jones asserted that admitting the communicable “we did acknowledge to every distinct complaint we anytime accustomed and spent a abundant accord of time and advance aggravating to booty affliction of people’s issues.”

Some consumers invested affluence of time, too. In burghal Chicago, 54-year-old Stan Chatman — no affiliation to Maggie — said he wrote 10 emails to Cardpool gluttonous to accept the advantage due him afore he was paid $301 on Dec. 1 for two Best Buy allowance cards account $350. He awash them to Cardpool aback on July 7. “It was acceptable to assuredly be paid. I’m still actual affronted about accepting to delay bristles months,” the IT controlling told AARP. He, too, had acclimated Cardpool for assorted affairs in beforehand years afterwards a hiccup.

“It was acceptable to assuredly be paid. I’m still actual affronted about accepting to delay bristles months”

The Better Business Agency urges consumers to analysis a business’ ratings afore any transaction in the marketplace. Visit BBB.org to analysis ratings, which ambit from A to F.

If affairs or affairs a allowance card, the agency has added tips:


AARP’s Artifice Watch Network can advice you atom and abstain scams. Sign up for chargeless Watchdog Alerts, analysis our scam-tracking map, or alarm our toll-free artifice helpline at 877-908-3360 if you or a admired one doubtable you’ve been a victim.

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