Complaint Review: Direct Express

 On June 1, I had a transaction that required disputing on my Direct Express card. That's when my nightmare began. I had to give the information to a representative after a 15 minute hold only to be transferred to Level 2 dispute department. I was immediately disconnected. This process was only repeated for the next 8 days until I finally got transferred to Level 2. After a week of waiting, I finally received the paperwork from Direct Express and promptly returned it. Three days later, I had another letter stating Direct Express is closing the dispute because I hadn't returned the password. They are understaffed apparently since they can't take a call. They have no way to fax or email. It is a waste of time to try to get any money returned to you even Under the Electronic Fund Transfers Act, the financial institution is required to investigate a notice of error within 10 days and inform you in writing of the results of their investigation. If they don’t do that, they must provisionally credit your account for the disputed money and conduct a longer investigation, which can’t last longer than 45 days. Direct Express doesn't care about what happens to your money. They are committing a crime by themselves.