Direct ExpressReviews 306

Card getting denied with no explanation, fight around for 20 minutes (on a prepaid phone) going through multiple mandatory messages, repeatedly told where to go in the menu to check balance which I don't need, finally get to "transferring you to a customer service agent" only to be told "We have a very high call volume, please call later." Up theirs, useless buggers

EDIT: 25 calls later, still nothing but the same response: "We're experiencing high call volume, call later." Utter thieving garbage and I can't access my money. There's a special place for companies like this.

Card worked online fine for a year suddenly out of nowhere i cant make any online purchase at all anywhere. After 3 hours of waiting on the phone i got ahold of them where they told me the internet put up some fruad protections bs that they would take me off some stupid $#*! whitelist and to try again in 24 hours because thats how long the hold is they cant take off. Its my $#*!ing money and they control the issue but wont fix it. 24 hours went by and still same thing. Its been 3 months now no online purchases. So now i have to go to an atm and loose 16$ every time i withdrawl because the atm near me only allows increments of 200$ with a 4$ fee. After that i have to go buy a prepaid card. Thanks alot direct express. Worst card company i have ever had. Time to go to the ssi office and set up direct deposit into an actual bank you can walk into to get $#*! fixed.

It's about impossible to talk to a live person. They leave you on hold forever and then most of the time they then disconnect your calls. And then on top of that, you're sometimes missing money or there is a duplicate for a payment that didn't come from the company I just paid and Direct Express takes no responsibility, won't return your money, or gives you a line about having to wait 3 days to dispute it, then when you call back in 3 days they tell you you're too late to dispute it or inquiry about it. And for the past 3 years I haven't been able to access my account on their website either.

The worst company I have EVER dealt with. They let me direct ship my new pay card for my disability benefits to a PO BOX which couldn't be delivered express because it's a PO Box. Then because UPS held the card they put a security hold on my account. They told me I had to fax two forms of ID to them to prove my identity, so I did. After waiting the 48 hours they tell me it's not accepted because the photo is too dark... it's a fax! So I get them to give me and email to send it to, wait the allotted time and call back. They said everything is clear and they will two day ship my card and I will get tracking on my phone. I don't get tracking so I call on the day it's supposed to arrive and they tell me "it was never sent". Mind you, there is a freaking hurricane coming and I have no money, I have been dealing with these people for weeks. So I have them send a new card but they tell me that they can't send it any faster because UPS doesn't deliver on the weekend, what a blatant lie! To top it, when I get home that day the card that "was never sent" had arrived. I call the next morning to see if they can activate the card that "was never sent" and they told me no because that card was sent in error because I used to receive two different benefit checks and so they had to send the new one with my full benefits on it. This company is a load of BULL. I have not received two separate benefit checks in over five years and rather than admit to their mistakes they make up lies and try to insist that you are wrong. I will be stranded with no money food or supplies for this hurricane because of this company's inability to function properly. Not to mention their phone lines says that they're busy every time you call and doesn't allow you to stay in que it simply hangs up on you. I have to call ATLEAST 20 times every time to get put in the que to hold and hour to speak to someone.

Why haven't I changed to a different bank. I'm almost sure I can even though I get government funds. They have some of the worst customer service reps. There have been times that I can't connect with them over the phone for 2 days. First on hold then after ten minutes they hang up. It isn't right that you can't talk to your bank when you've just been hacked and your money is steadily dwindling from your account by someone other than you. I did get my money back from them for that hacking, but
It took a while. I also can't figure out where my leftover money goes at the end of the month. My summary only shows the amount I receive monthly, and subtracted from that number are the debits. I asked where my money was going, that after 3.5 years I should have accumulated some cash, and to this there was no answer. He politely excused himself and hung up the phone. I'm thinking that they have been ripping me off for some time. If you are with this bank I would like to know if the same is happening to you.

The thing I love most about it is the fact that I can not overdraft so if I try to spend to much it says declined instead of taking the charge & ending up with overdrafts like you would with normal banks. The other thing that is nice now is that they now have a phone app that will show me my balance, deposits, etc. I gave them 2 out of 5 stars because if your card is used without your knowing it or your over charged your pretty much screwed because they will send you a stack of paper work & never rule in your favor. Real banks will go out of their way to protect their customers but UDE could care less. I avoid having to talk to them at all costs & just use a 3rd party company like PayPal who will do their best to make things right because UDE will not. If like me thats fine with you, go for it, if not avoid them like the plague.