• Report: #1008318

Complaint Review: Urban Bank ( InsightVisaCarddebit)

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  • Submitted: Sun, February 03, 2013
  • Updated: Tue, February 05, 2013

  • Reported By: Dickie strong — lapeal Indiana United States of America
Urban Bank ( InsightVisaCarddebit)
Internet United States of America

Urban Bank ( InsightVisaCarddebit) Insight visa pre paid debt card Urban Bank( Insight visa debit card ) is holding my Socail Secruity Deposit , And lying about it ... web, Internet

*Author of original report: Deposit update

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Dear Kind Person ,

Be aware of a Scam ..

1. I Get social Security payments on the 3rd of each month ... that means if the 3rd falls on the weekend , By law I am to be paid the Friday before that weekend and deposits are to be cleared by the 1pm , I have confirmed this information with Social Security ...

2. So on the 31 I contacted Insight visa though the Web portal putting in a Ticket ,
This is the Reply I got from them .... As they advertise get your deposits 1 to 3 days early .
31 Jan 2013 09:23:47
Subject
Other
Message
Direct Deposit Social Security 1.This month I get paid on the first . I have already called Social security and Deposit has already been sent out .2.your company advertise get Government checks 1 to 3 days early .3,So why is the deposit not in my
account showing thank you
Response
Date
31 Jan 2013 10:17:
Message
Dear Richard @@@@@
We apologize for the delay in getting your deposit posted. It appears that SSA sent the deposit over in the wrong format. Our bank has made us aware and we are working with our processor to get your deposit posted as quick as possible today, that way you do indeed get it the 1 day early.
www.insightcards.com
Toll-Free Account Information Line: 1.888.572.8472
Customer Service: 1.888.572.8472

3. So I message again after contacting Social Secruity and they Inform me it is ipossible what they are saying , that the deposits come form the Treasury through FEDS bank , and that the Routing numbers and account numbers are USA numbers ....  . I will Affirm myself after 7 years of being on Social secruity I have never once been paid late not once ... So here is the message I get

Message

Date
01 Feb 2013 11:09:22

Subject
Other

Message
1.Why are my tickets being closed with out any reps-once , I am taking Screen shoots as we speak .2.Where is my
Social Security deposit 3.By law as advised by Social Security , banks must make timely deposit by 1pm on the day of payment . 4. All I get from Insight is lies , the last story is , The Transfer came as on overseas transfer , Again I have called social security International , phone number 410-965-1234 Mrs , ####### , all deposit are made through the Treasury Department, And it is through the USA leave a message she will call back 5.WHY IS MY DEPOSIT BE HELD BY URBAN BANKS ,
the above mentioned is going to contact a congressman , If I call her back and Report not only insight but also Urban bank 6.Why again was my last tickets closed with no repsonces , Screen shoots and a live Recording of this message is being taken , along with ping recordings of this website .thank you .Please Advice ..

Response


Date
01 Feb 2013 12:44:50


Subject
RE: Other


Message
Dear Richard Strong,

We apologize for the inconvenience this has caused you Mr. Strong. We assure you we are not telling you any lies. We are in at the mercy of our processing bank. They have told us that they are working diligently to get your deposit posted by the end of the day today. It is true that the deposit got sent in as an IAT (International ACH Transfer). This has caused issues in them processing it and they are working to find a way to get it to us. We at Insight do not have the deposit available to us
yet, we assure you that if we did it would already be on your account.

The reason that previous tickets were closed was because we were made aware that you were speaking with several of our supervisors in our call center and they were getting the information they were giving you directly from our Operations department who has been in constant contact with Urban Trust bank trying to get this issues resolved as quickly as
possible.

Once again, we sincerely apologize for the inconvenience this has caused you and we assure you that the very second we receive the deposit it will be made available on your account. It is currently out of our hands. We are wanting this issue to be resolved just as much as you do, it upsets us that this issue has caused such problems with one of our customers. Believe us when we say we have already reached out to the upper powers at Urban Trust ourselves and have tried digging deep to get
this resolved.

www.insightcards.com
Toll-Free Account Information Line: 1.888.572.8472
Customer Service: 1.888.572.8472


Still as I write this message the Insight Visa that is issued and owned by Urban bank according to the toss , is still holding my funds , with 1 hour wait times holding on the phone , with the Agents aking up stories just to try and stem me off , for example  I was told it is my fault because I asked them to convert my money to Philippine peso , I never asked them to do such a thing ....

Thank you

This report was posted on Ripoff Report on 02/03/2013 06:04 PM and is a permanent record located here: http://www.ripoffreport.com/r/Urban-Bank-InsightVisaCarddebit/internet/Urban-Bank-InsightVisaCarddebit-Insight-visa-pre-paid-debt-card-Urban-Bank-Insight-v-1008318. 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 0Consumer 0Employee/Owner
Updates & Rebuttals

#1 Author of original report

Deposit update

AUTHOR: Dickie strong - (United States of America)

1.today I did revive the deposit .

2.I am demanding three times the amount of the deposit , in order to make sure this does not happen again

3. this bank or card service does not seem to get it , and the laws of making timely deposits posted from the Government .
4. I have filed a complaint with the Consumer protection , and with Federal Reserve ..

5. I did in fact find out the Company was lying about the deposit coming over as an international transfer , like I mentioned 7 years of payments not once late or under paid ever ...

6.What upset me the most is all the round around , long hold times m being gave the run around an lied to ....
here is the last message from insight and I will leave it up to the complaints I filed... I would say , if you want a good company to handle your money ,this is not the one ..

I do find this funny  , they mentioned A blocked currency  country , for one when the ATM refused the insight card , I used my bank of America card , no issues ... I know the USD is going down in Value , but I still think it stronger than the Philippines  peso .. just smiling at the further lies told .

I find it also funny , I called Urban Bank , they said they only issued the card , that all was in the hands of Insight , but insight tells me to follow up with Urban bank that will not respond to me , as they said they could not look into my account , although  for the direct deposit I used Urban bank ..hmmmmmmm big ?????????

thank you
Response

Date 05 Feb 2013 06:10:07

Subject
RE: Other

Message
Dear Richard Strong,

The two transactions that were declined were blocked because our card was not accepted by those ATMS in that country. We received a '57' decline code "blocked currency/country".

As far as having Urban Trust load 3 times the total deposit that was received, I can tell you now, that is likely not going to happen. If you feel like you need to press forward with complaints towards that bank, then you can do what you feel you need to do. We at Insight fought hard to give this situation handled as quick as possible and continued to fight until we had a resolve. Anything beyond that, unfortunately, we do not have any control over at all. The deposit that was sent to us from SSA has been loaded to your card. Anything else you would like to pursue, would need to be handled directly between yourself and Urban Trust bank.

We apologize for all the inconveniences this has caused you, and hope that you will not let it effect your thoughts on us as a company in the long run.

www.insightcards.com
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