Direct Express® card レビュー 272

To begin with let me put this experience into context. A very dear friend of mine has lost three sisters in as many years to cancer. She is alo sick though thankfully not with cancer. I decided I would try to buy her a small gift something to possibly bring a smile to her face. I searched the internet and found a plushie that I thought she would really enjoy. It was at this point when I discovered that the direct express card has a new wrinkle. If they deem that a purchase you are making is not appropriate they simply deny your use of the card. Effectively deciding what you can and cannot spend your money on. They need to learn that these are not just purchases, they are the lives of real people they are messing with when they do not allow a person to spend his own money. Is this still America?

Absolutely horrendous service, I recommend that everyone use Chime instead. You get paid earlier and can use tap to pay.

Direct Express caused me to be put out on the streets. They're useless scum bags. They lie and steal. They're unhelpful and rude and nasty when you can finally get through to them. They put a block on my card and refused to unblock it. The customer service person named "Dara"...(if that's her real name which I'm sure it isn't) rudely told me to email in all my info. ID, SScard, and birth certificate. I had to do that like 6 times and in the end it wasn't enough. I think they do this on purpose so that they can steal your info and not unblock your card or send you a new one. It's weird because after my card was blocked, every penny was taken out. Every damn penny. I'm now sleeping between alleys and abandoned buildings and the woods and under bridges because of DE. It's been 3 months. And of course they don't care, they're living it up with other people's money. They're a bunch of liars and greedy trash. I'm just so alone and miserable and upset. I'm indigent now thanks to DE. My advice would be this; don't use this company ever. They've left so many people homeless and it's sad. I hope this company gets shut down forever.

My card was stolen, I canceled card and ordered new one. It has been 10 days now and apparently since I could not pay the expedited service, the card will come from a slow boat from China. I cannot pay me rent, or car payment and will be homeless in a couple of more days. Direct Express refuses to give me my new card number, so because I am a victim of theft I am being treated like a criminal. If this is who our government has contracted with to handle our money then shame on them. Shame on Direct Express for having the worst service possible given to the American people. Someone should do their jobs better and quit allowing this company to make interest on our money that they hold. Maybe one day these crooks will be held accountable and convicted of the crimes they have committed to the vulnerable people of the United States. It disgusts me yet again about how greedy people can be.

Charging $30.00 and it took over a week to get my card. USER BEWARE

I’m My wife recently passed, you wasted no time at all closing her account while 92.81 was still left on her card! And now you expect me, her husband to fill out a bunch of BS paperwork and then you want to charge me a $50 processing fee on top of that! The $92.81 was rightfully as the card should not have been close until the end of monthly period! Sorry 😢 to inform you but maybe you should take a reading of your reviews and decifer as to why you have 1.3 rating! Horrific business management! Your reviews speak loud and clear! All I can say is WOW!🤬

Bad customer service

Everything is wrong with DX and their mastercard henchmen. You have your entire benefit on the card to use. When you travel outside the US, you hit a snag, card declined saying contact issuer. Then you are on the line forever and when you get a rep, nothing get resolved and they keep fooling themselves with instructions and counter instructions. You can not even purchase online with some very flimsy nonsense as excuse. Your card gets locked and it takes reporting to their better business bureau to get them to sit up. It took me almost one month, stranded overseas as my late mother's funeral loomed, with no resource in a remote village in Africa where the closest ATM is 24 miles away. I kept visiting the ATM every day for about 3-4 weeks, card did not work. At the end of the day, I got bruised with debt locally and DX kept rambling on about all the stupid vacuous reasons that made no sense. Who is going to compensate me for my losses?

Worst I've ever dealt with not a dime of my damn money will ever go on directexpress.

Direct express needs to make funds available when they receive them as other banking institutions do. That is the only reason for the 3. It really helps when you have no food to eat. They could do it if they wanted to. That is the only reason I am leaving them and going back to the bank

Like others who want to get the word out, I posted a review on Consumer Affairs also.

The company is not capable of resolving issues. You'll be squeezed between a rock and a hard place trying to fix a problem. Daily calls, if you can get through, are no help. Want to get disconnected or be put on perpetual hold?; just ask for a supervisor.
After reading numerous reviews, I feel lucky. No money for food; phone disconnected for non payment, thus no phone to validate a new card if it ever gets here. No transportation (rural area) and no money for car repairs.

Yeah, I feel lucky! I don't need expensive meds or have family and friends that depend on me every day.

I found this info on line (Treasury Department):
To file a formal complaint regarding your Direct Express Card with the Bureau of the Fiscal Service, please send an email to them (Information is published on their website).

My card expired didn't get a new one and have tried to call continuously day and night, at least 100 calls in the past 2 days and all I can get is a recording about being busy and have to try my call at another time. This is my SS check, and I have bills to pay. SS needs to find another way to send your money. What can I do?

Two weeks later and direct express is still refusing to chargeback a merchant
For merchandise I never received.
Direct express has done nothing to assist me even after I provided all the proof they asked for.
Very disappointed with direct express

What went wrong this time being the 1st question? Gives e1 the knowledge that thisnt the first time something has gone wrong. Your CSTeam is so Unprofessional. Made me repeat my ss# 3 xs then told me, started yelling over me, to speak clearer and to call back,
then CLICK, hung up when i said How Unprofessional . I was very clear. Someone needs to pull calls received 12:53pm 7/12/24 Kierra rep.

My husband is severely disabled, he cannot speak or walk. Along with being his wife of 20 years, financial and medical power of attorney, as well as the legal designated payee. We cannot access his money in a timely manner and when I called for help, decide from waiting on hold for over 45 minutes, when I was finally connected with somebody named either Leanne or Louann (not very clear because she was adamant about not repeating it for me along with refusing to allow me to speak to a supervisor). She told me that we can use cash app, but only up to $75. His rent was due a week ago… as it is Social Security doesn’t cover a third of the payment… never asked for direct express, we were perfectly fine with paper checks, but this was done automatically. She asked me who name the card is in, and I told her it was in my husbands, but that I’m the designated payee and I have the letter from Social Security to prove that along with my notarized copy of my power attorney, as well as the fact that I’ve been married to the man for over 20 years. I would say that I have never experienced someone rude, disrespectful, altogether… but that would be a lie because over the past year and a half I have seen how the most needy and vulnerable members of our society like my husband are discriminated against and abused by people like the woman I spoke to. She was yelling over me when I was asking questions and she was downright terrible. at one point, she said “that I needed to calm “. Pretty much I was told that I’m making a big deal out of something and she didn’t really have the time to deal with it. I was very professional on the phone although I’m sure the desperation could be identified to somebody who had to keep ability of empathy. I asked to speak to a supervisor and she told me because my name is not on the card. She can’t verify the account therefore she can’t get me to a supervisor and then I had to call Social Security. I’ve been dealing with this for quite some time, and I told her that I have all the documentation that Social Security will give. I just need to be put in touch with somebody that has the ability to do something about it and it seem to be a bit above her pay grade that that’s why I need to speak to a supervisor and she outright told me no…. Degrading discriminatory things that I won’t repeat here. I then took it upon myself to Google direct express complaints and I found a number to call. When I did this, I was putting in touch with the direct express customer compliance department. When I started explaining the situation, I was cut off and asked again whose name was on the card very curly and then she hung up on me.. three phone calls to that it might be dealt with. I’ll tell you what it won’t be dealt with and I better cross my fingers that my disabled husband and our 13-year-old daughter do not get evicted in the meantime. I wish that this problem is unique to direct express, is definitely one of the worst but certainly not unique. Any of the systems that are in place to protect my husband seem to be the ones that hurt him the most. I thought maybe I was grasping at straws, saying that he was being discriminated against or pushed aside because he can’t speak. I am 100% sure now that I am not overreaching. This company’s customer service along with things like motive, Care, Magee, rehabilitation hospital, Keystone First, Jefferson health and more have made it plainly obvious that my husband is not their priority and made it as difficult as possible for me to be able to advocate for him. He has been pushed to side, neglected, his healthcare and his safety has been sacrificed as a result of apathy and laziness… dignity being able to access his own money have been taken from him and the people that are supposed to help have made it worse, hard, and less of a person because he’s disabled. I’m disgusted.

My debit card account which I use to receive by Social security benefits, is now overdrawn into the negative, due to an alleged transaction made in the early morning hours on a national holiday, (July 4th) at a bank that wasn't even open! This transaction was fraudulent and never occurred. Thereafter, I spent a total of three hours on hold waiting for a representative to rectify the issue but to no avail. My card was canceled and I've been given nothing short of the "run around" treatment since my reporting of this incident. In addition to that, I HAVE to pay for the card that was canceled to be replaced! As soon as this issue is resolved. I'm done with this bank. Their representatives are rude and obnoxious and nothing short of oblivious.

DirectExpress please do not use this service it is no good they harass you after you provided all document. Customer reps yell at you and don’t help you. Everything is verified even by Social Security Administration and still keep your funds. A customer rep ask my mother what medical condition she has. I have been on hold for than an hour and off an on all week.I would rate this company a zero.

The following as of today (7/4/24) has been resolved as of today online transactions are working again, it took 3 to 4 days, I used my card for several physical transactions within that time frame which may have helped including an ATM withdrawal. As of this matter being closed, I am giving Direct Express a 2 out of 5 stars instead of 1 out of 5 because their customer service is a horrible experience, hold times are long, the hold music will give you ear worms.

However,

The staff are friendly, but the overall speaking to customer service rep experience is time consuming and frustrating

I couldn't pay half of my bills, online transactions were being selectively declined, some worked some didn't that used too, I contacted their customer service 3 times one 6/2/24, tried using the card physically to make a transaction with my pin which they said would work to fix the problem (it didn't),

I tried resetting my pin (which another customer service rep said would fix it (who also misgendered me), again it did NOT, I know shocker), nothing worked, their customer service just kept suggesting things I already did, and now my phone service is shut off and transactions are still being declined to various places.

I asked if they could unlock the fraud alert thing or if there was another person I could talk to who could and never got a direct answer from any of them, one of the agents misgendered me, total bs, I am planning to set things up so my funds go to my bank account directly, I never had problems this bad in the past with my Direct Express card, and it just happens to be on the same month my other actual bank account has no funds, it feels like a conspiracy to screw me over and make me angry.

The following part got resolved here on 7-3-24, the money just wound up put back on my Direct Express card :
"I even tried to transfer money to my checking account, it was deducted from my direct express account, fully approved and yet it is NOT in my checking account so far it's been 24 hours and said it can take 3 days. I even had sites like Google play that were working to transfer money to a couple days ago for payments that are now also being declined."
I've had this card for years, never had this many problems until now, and now that my phone service is shut off I can't even call them to dispute it!

Nearly impossible to access your money. It appears any transaction over a certain amount (a secret amount that no one at Direct Express can tell you) is rejected. Don't bother trying to call. After tens of minutes you will find that the human on the other end of the line is only trained in apologizing. They cannot approve the transaction or connect you to anyone who can. They'll tell you to try to break the payment into multiples but can't tell you how much each payment can be or how many they will accept. It's okay though because retailers and the customers behind you absolutely love watching you guess your best and repeatedly fail. Embarrassing! Try transferring to another bank? Good luck with that. The app appears to accept the transaction BUT you also have to send an email with very specific information. However, even after you do that, odds are not in your favor. I'm still working on my bank transfer.

Lost my card end of April and since then I've received a new card. Call to unlock the card "Please submit your ID": OK done, account unlocked but won't work on International ATMs. Call Back "Please submit you ID", Account locked again. The call center script readers don't understand, and don't listen that I'm in Germany.. This doesn't match to their script. I love the non-secure ID transfer to speed up Identity theft. If you get a positive response, it's gone when I call back again because the ATM stated "Use is Not authorized". After the Inquisition "Please submit you ID. Here I go again. I'm asked every question except to submit DNA and fingerprints. This is presently in the 7th round and no hope is in view. My account is held hostage in a never ending paper chase. Apparently a US Passport isn't acceptable means of ID and how do you Photograph the front and back of the picture. Do I do all 52 pages? This is worst then or equivalent to,
dealing with the FBU is Frankfurt.

1 June and waiting... The interstellar speed of theis organization is fantastic. Good that bids are in for a new provider.