• Report: #1010730

Complaint Review: Direct Express

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  • Submitted: Thu, February 07, 2013
  • Updated: Fri, February 08, 2013

  • Reported By: Tiffany — Georgia United States of America
Direct Express
Internet, Georgia United States of America

Direct Express U.S. Direct Express GET OUT WHILE YOU STILL CAN!! Internet, Georgia

*Author of original report: Follow Up Run from Direct Express

*Consumer Comment: Direct Express Consumer

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OK where do I begin.....I have had a direct express card for a little over a year and have had no problems....Until I called to check my balance the other day on 2/3/2013 and it was $39 dollars less than it was suppose to be.....So I called them the next day to figure out what went wrong....I was then informed by a young lady that a credit montoring company charged me this charge on 2/1/13....THATS IMPOSSIBLE...I am not monitoring my credit, this is a fraud charge....I asked what can I do....She then froze my account and said call me back when you get near an ATM....I did!!! I waited 3 hours on hold for someone and got a guy name CEASER and he kept stating he was level 2 whatever the hell that means.....He was the rudest person I have ever dealt with that works in Customer Service....He began to argue with me and at one point I screamed at him asking ARE YOU GETTING SMART WITH ME???? Look here bud...I began to tell him that I would just cancel this card altogether and he said NO you cant SS doesnt send paper checks anymore...Just like that trying to taunt me...I know he probably deals with many people he may can treat like that but Im not the one....I am waiting for my replacement card to arrive in a couple of days and CEASER and ALL of Direct Express can try and scam someone else now....I will be calling SS and switching to A REAL bank immediately....I dont even really care about the $39 dollars just as long as I dont EVER have to deal with these people again.....BEWARE BEWARE BEWARE!

This report was posted on Ripoff Report on 02/07/2013 11:48 PM and is a permanent record located here: http://www.ripoffreport.com/r/Direct-Express/Internet-Georgia-30268/Direct-Express-US-Direct-Express-GET-OUT-WHILE-YOU-STILL-CAN-Internet-Georgia-1010730. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
1Author 1Consumer 0Employee/Owner
Updates & Rebuttals

#1 Author of original report

Follow Up Run from Direct Express

AUTHOR: Tiffany - (United States of America)

Thanks for all your comments on my situation...However, I really dont want to have to go into so much detail into my personal life but I guess I have too.....I filed for Bankrupcy a little over a year ago around the same time I got a Direct Express Card....Since then I have applied for NO lines of credit and have NO credit.....Meaning I have NO desire to use credit for things anymore because it can become a problem, if you let it.....So you see I have no desire to montor my credit that is non-exsistent....

Futhermore, I am the only one who uses my card, my husband has his own Bank accounts, Cards you name it to use.....Before I made this post about Direct Express lastnight I did my homework and reserached several methods of this company....Lets just say I have found more information turning me away from this company then leaning me too them....Sorry but this is about Symbolic Interactionism to me....THE GLASS IS HALF EMPTY!!!!
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#2 Consumer Comment

Direct Express Consumer

AUTHOR: DWARD - (United States of America)

My wife an I both are consumers of Direct Express (provided to Social Security recipients by a well known financial institute) and have had a similar situation occur but with a very different outcome! It sounds to me like you or someone else used your card number for one of those online "Free Credit Report" adds that have you sign up for a free trial with a credit monitoring service to gain access to your credit report. You have to cancel that service within the trial period so that they don't charge your account. I would speculate that you or another using your card forgot to cancel out that subscription and therefore the company charged your account (I admit, I've done it myself a time or two).



You did the correct thing by disputing the unknown charge (even if it was a miscalculation on your part or another in your family circle) and Direct Express used the correct method by locking your account until you could get to an ATM to withdraw the remaining balance from the card so they wouldn't try to charge it again. 



When I had this happen, they used the same policy, locked my card and had me call them back when I got to an ATM. They had me withdraw the balance from the card and then sent me a new one in the mail. The only difference is that I kept getting a recurring charge on my account even after I canceled my subscription to the credit monitoring company.



As far as Ceaser being a level 2, he has level 2 clearance with the company (there are several levels, each granting grater access to your account to make changes to it).  In this case, unlocking your card so you could use it at the ATM.  I don't however agree with the way he handled your situation and cannot blame you for being angry and upset about the whole situation. I don't believe it was a 'scam' on Direct Express's behalf, you just ended up with an employee that shouldn't be where he is at in customer service!



It is true that you only have 2 options now to recieve your Social Security check, by signing up with Direct Express, or having it electronically transferred (eft) to your bank account, just be aware that the same situation can occur with a 'regular' bank account's debit card! A word of advice? If someone in your house hold asks you to use your card, look over what it's being used for, enter your account number YOURSELF, and if any further action is needed make a note on it using an event calender (such as most cell phones have) and set a reminder for yourself! Best of luck to you!



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