Complaint Review: Green Dot Bank

They have a prepaid debit card that allows you to earn 5 percent cash back on everything you purchase with the card. The 47 page cardholder agreement states that to collect the earned cash back that can't exceed $100.00 can be requested to your available balance 1 year and 1 day from the date you activate and load your account or the moment you purchase it in store.

Since activating and loading the card on October 10, 2017 we have kept the account in good standing and never allowed it to remain negative for over 30 days as well as using direct deposit for the year. As of October 10, 2018 we full filled the year and after the fee was charged I immediately added the money to cover the monthly fee (which is another issue that will be covered).

I have called customer service and I have been told that I can't get the cash back until after the 31st even though it doesn't state that in the agreement and I will have to wait until the end of November and I have complete another year before I can get the cash back which would forefeit what was earned.

All of the above information has been proven incorrect and when I cover all of the requirements and they verified it they hang up. Every month the dates change on the 10th of the month with the exception of the final month and it will not update to reflect that I am eligible. I have been transferred to multiple supervisor and the last one put me on hold; but I could hear what she said and was talking to another employee and said that this guy thinks he is going to get his cash back and started laughing.

The other lie they told was that if I want to avoid the monthly fee I have to get a 500 direct deposit which I have done for 12 months and when I called they said that they no longer have that option but I was never told the change was made or received updated cardholder agreement.

I suggest you go with NetSpend because they have not lied or defrauded me with my card that I received at the same time and followed the same rules and have not been charged monthly fees and I have received the cash back. With green Dot the customer service is handled by people who don't speak English and can't answer simple questions and when I spoke to the final supervisor and said that they were in breach of contract she said that I was the idiot for using their company.

I guess that sums it up. Also if you fail to receive a deposit you don't get it back for over six months and forget if you have to dispute a charge because it has been ten months and I have not received the refund for the twelve dollars that I received a letter stating that I was entitled to the refund for. Run they are fraudulent liars.