We relax the usual diagonal constraint on the matrix representation of the eigenvalue wave equation by allowing it to be tridiagonal. This results in a larger solution space that incorporates an exact analytic solution for the non-central electric dipole potential 2 cos r θ , which was known not to belong to the class of exactly solvable potentials. As a result, we were able to obtain an exact analytic solution of the three-dimensional timeindependent Schrödinger equation for a charged particle in the field of a point electric dipole that could carry a nonzero net charge. This problem models the interaction of an electron with a molecule (neutral or ionized) that has a permanent electric dipole moment. The solution is written as a series of square integrable functions that support a tridiagonal matrix representation for the angular and radial components of the wave operator. Moreover, this solution is for all energies, the discrete (for bound states) as well as the continuous (for scattering states). The expansion coefficients of the radial and angular components of the wavefunction are written in terms of orthogonal polynomials satisfying three-term recursion relations. For the Coulomb-free case, where the molecule is neutral, we calculate critical values for its dipole moment below which no electron capture is allowed. These critical values are obtained not only for the ground state, where it agrees with already known results, but also for excited states as well.